As consumers paid off debt in 1992, they relied on their bank cards more for convenience than credit, a survey of 209 U.S. banks showed.

The American Bankers Association's 1993 Bank Card Industry Report, released last week at its annual bank card conference in Washington, found a 12.6% increase in transactions last year. But the number of accounts carrying balances declined by 6.9%, to 110.4 million, reversing a 4.8% increase in 1991.

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