Consumers cut back on their credit card use for the second straight month in February but increased borrowing on student loans and auto loans by the largest amount in a year.

The category that includes credit cards fell $2.4 billion after a $241 million drop in January. But the decline was offset by an $18.9 billion increase in borrowing in the category that covers autos and student loans, the biggest one-month gain since February 2013, the Federal Reserve reported Monday.

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