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Percent of consumers aged 18 to 29 who don't have a credit card, compared to only a third of Americans over 30. About two-thirds of consumers with more than one credit card are over 50.

Percent of consumers aged 18 to 29 who don't have a credit card, compared to only a third of Americans over 30. About two-thirds of consumers with more than one credit card are over 50.

Daniel Luzer is GOVERNING's news editor.