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Forty percent of respondents to a nationwide survey in June reported charging less on their credit cards over the past year than in previous years, and more than half (59%) indicated they have not found it more difficult to obtain credit cards. More than 2,000 U.S. adults were interviewed for the survey, which Harris Interactive conducted for Deloitte LLP's financial services industry group. Deloitte designed the survey to study the affect of the credit crisis on consumers' ability to obtain loans. Among respondents who said they are spending more with their cards, the additional charges are for such purchases as gasoline, 70%; food or groceries, 67%; health care, 24%; and utilities, 14%. Among respondents who attempted to obtain other types of credit and mortgage products in the past year, 67% found it more difficult to secure a home mortgage; 65% reported having more difficulty receiving a home equity line of credit; and 62% had trouble obtaining a personal loan.

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