``U.S. consumer credit surged in April as Americans ramped up their use of credit cards, a potentially positive sign for consumer spending. Total consumer credit increased by $26.85 billion to $3.18 trillion, the Federal Reserve said on Friday. That meant consumer debt was growing at a 10.2 percent annual rate, the fastest pace of growth since July 2011.'' -- I don't know about you, but I use my credit card more when I have less money...

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