Consumer borrowing fell in February, the 12th drop in the last 13 months, reflecting weakness in credit card spending and auto loans. The results put a damper on hopes that consumers are feeling more confident about spending. The Federal Reserve said borrowing declined by $11.5 billion, or 5.6%, in February, as consumers remained frugal amid a fragile economy and high unemployment. In January, borrowing rose by $10.6 billion, or 5.2%, which broke a record 11 consecutive declines. The February results reflected a huge 13.6% drop in revolving loans, the category that includes credit card debt, and a smaller 1.6% dip in non-revolving loans, the category that covers auto loans. Some economists note that consumer borrowing will stabilize in coming months and begin to pick back up, although they caution that the rebound will be restrained by tighter credit restrictions imposed by many banks in the wake of the recession.