Charlotte consumers have reduced the percentage of their income owed to credit-card companies by nearly 8 percent during the past year, according to a new study by Equifax Inc. Equifax reports that average credit-card debt for households in the Charlotte-Gastonia-Rock Hill metropolitan area dropped to $4,648 in the fourth quarter of 2011 from $4,846 in the fourth quarter of 2010. Meanwhile, the area’s median household income grew to $52,976 from $50,832 in the same period. Consumers’ credit-card debt is decreasing across the U…

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