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A record number of consumers are making minimum credit cards payments as delinquencies also rise

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The share of credit card holders just making minimum payments on their cards jumped to a 12-year high.

The increase also marked a series high for a data set that began in 2012 .

Even with the rising delinquency rate, it is still well below the 6.8% peak during the 2008-09 financial crisis.

Goldman Sachs sees consumers as "a source of strength" in economy.

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