In this Saturday, Jan. 5, 2013 photo, a person demonstrates using a credit card in an ATM machine in Pittsburgh. ricans stepped up borrowing in January to buy cars and attend school,

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In this Saturday, Jan. 5, 2013 photo, a person demonstrates using a credit card in an ATM machine in Pittsburgh. ricans stepped up borrowing in January to buy cars and attend school, while staying cautious about using their credit cards. (AP Photo/Gene J. Puskar) less 

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Associated Press
Thu, Mar 7, 2013 10:09 PM EST