FILE - This Aug. 11, 2019 file photo shows Visa credit cards in New Orleans. U.S. consumers increased their borrowing in September 2020, helped by the first gain in the category that covers credit cards in seven months. The Federal Reserve Reserve reported that total borrowing rose by $16.2 billion in September, rebounding after a drop of $6.9 billion in August. (AP Photo/Jenny Kane, File)
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