Increased credit card use by small businesses as the loan environment tightened "contributed directly to the creation of 592,000 small-business jobs and an additional 1 million direct or induced jobs throughout the U.S. economy," according to a report conducted for the American Bankers Association by Keybridge Research. A report from the National Federation of Independent Business showed that 83% of small businesses used credit cards in 2009, up from 70% in 1998. 

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