Credit cards and commercial real estate are being carefully scrutinized for signs of trouble. In commercial real estate, it is believed that rising vacancy rates are directly related to the economy. And the added concern is the debt associated with commercial properties.  Many commercial properties are financed using LIBOR-based 5 year balloons, with a credit swap arrangement to “fix” the rate.  2004, 2005, and 2006 were big years in commercial real estate, and it doesn’t take a math major to add 5 years to them and see that 2009, 2010 and 2011 big refinance years with an estimated $160 billion in 2009.  Some of the nation’s largest commercial developers are already asking the federal government to set up a program that would increase lending to commercial real estate. Officials have said they will consider including commercial real estate in a $200 billion plan aimed at salvaging the market for car loans, student loans and credit card debt.