Americans could begin to embrace credit again in 2013 according to a report by FICO.

The report is the latest survey of US bank risk professionals.

The survey, conducted for FICO by the Professional Risk Managers’ International Association (PRMIA), found that 59% of bankers expect credit card balances to increase.

61% of risk managers expect the amount of new credit requested by consumers to increase during over the next six months as well as 61% predicting an increase in the number of requests for credit line.

Andrew Jennings, chief analytics officer at FICO and head of FICO Labs said: "These results indicate that 2013 could be the year that Americans begin to embrace credit again, after the considerable deleveraging we’ve seen since 2008.

"With both the job market and real estate sector showing signs of life, American consumers may again be willing to fund their lifestyles by taking on more debt. And it appears that banks are willing to oblige."

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These results are the highest FICO has seen during the 11 quarters it has been conducting this survey.