As credit cards defaults and delinquencies continue to wane, banks and retailers are growing increasingly more confident in extending credit to consumers.

According to the Equifax National Consumer Credit Trends Report released Monday, banks made 27.6 million new credit-card loans between January and August 2013. That's a 7.3% increase from the same eight-month period a year ago and the most new loans issued during that time frame since 2008.

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