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"It should be not harder for a person of color to get credit," says Jose Garcia, a senior policy analyst at Demos, a New York-based public policy research group that has conducted studies on racial differences in credit card debt. But because of the color of my skin and where I live, some of those decisions are already made." Is it 'redlining'?

The study, titled "Credit Card Redlining," is unlike most previous lending studies in that it controls for credit histories and credit scores.

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