By Engen Tham and Adam Jourdan SHANGHAI (Reuters) – Ma Yiqing, 24, is typical of China's younger generation – he uses his credit card frequently and borrows from online platforms to fund his shopping habits. Interviews with Ma, a single-child, his mother and grandmother, show how rapidly attitudes toward credit are changing as the millennials generation – roughly those aged between 18 and 35 – embraces debt like never before. The frugal attitude of previous generations produced the bedrock of China's credit worthiness – household savings equal to some 50 percent of GDP, one of the highest levels globally.