BOSTON — Delinquencies on plastic issued by banks jumped in the first quarter from a year ago as strapped borrowers used their tax refunds to meet daily expenses instead of paying down their credit card balances.

For the first three months of the year, the delinquency rate in the U.S. rose to 1.32% for consumers who were three months or more behind payments on their cards, up 11% from 1.19% a year earlier, according to a report published Monday by credit-reporting bureau TransUnion LLC. The delinquency rate for the first quarter jumped 9.1% from the previous quarter.

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