Americans repaid on their credit card bills more quickly in the first quarter of the year, according to TransUnion, which reports that the rate of payments overdue by 90 days or more dropped to 0.69 percent from 0.85 in the same three months of 2012. Although lower, the late-payment rate is still above historically low levels, the company said. Still, better employment numbers, appreciating home values, and a healthy stock market have given consumers more confidence to spend. At the same time, they continue to carefully manage their debt. The TransUnion data show that the average credit card debt per borrower dropped to $4,878 in the first quarter, down 4.8 percent from the last three months of 2012 and down 1.7 percent from $4,962 a year earlier. The number of new credit card accounts opened by consumers, meanwhile, declined 1.6 percent between the fourth quarter of 2011 and the same period in 2012; and the share of cards issued to borrowers with flawed credit contracted to 28.1 percent from 28.4 percent year over year.