Consumer credit took its biggest monthly leap in almost a decade, to a seasonally adjusted annual rate of almost $294 billion. Dow Jones industrial average closed at 3,755.91, down 12.61 . . . NYSE's composite index was down 0.47 to 253.70 . . . Nasdaq Stock Market composite index fell from 4.13 to 739.30 . . . American Stock Exchange down 0.10 to 442.49 . . . Gold rose 70 cents to $381.10 on the Commodity Exchange in New York . . . The 30-year Treasury bond closed with a yield of 7.26 percent up from 7.22 percent yesterday.