As of December 2014,credit cards used in either a credit or debit function accounted for less than 5 percent of the dollar value of payments made in the U.S.

Name: As of December 2014,credit cards used in either a credit or debit function accounted for less than 5 percent of the dollar value of payments made in the U.S.
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The passage states that credit cards accounted for less than 5 percent of the dollar value of payments made in the U.S.

As of December 2014,credit Cards Used in Either a Credit