FILE - This Aug. 11, 2019 file photo shows Visa credit cards in New Orleans. Borrowing by Americans fell in January 2021 for the first time in five months, as a big drop in the use of credit cards offset increases in auto loans and student loans. The Federal Reserve reported Friday, March 5, 2021 that consumer borrowing fell by $1.3 billion in January, the first setback since a $9 billion decline in August. (AP Photo/Jenny Kane, File)
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