Americans are charging more according to a new study from

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U.S. consumers incurred more than $17 billion in new credit card debt during the second quarter of the year. In fact, the amount of debt that was incurred is 75 percent higher than over the same period in 2010. says it expects to see credit card debt increase in 2013 by more than $41 billion.

"This is a mistake that a lot of us know...things are going well, we are able to make our payments, and so we decide to spend more. And what we fail to take into account is, what if something goes wrong?" said Odysseas Papadimitriou, CEO of

He said consumers aren't learning the lessons of the great recession as they overspend and overextend.

"This is a problem with debt in general. It is one of the things do not have a problem until you do have a problem? So it's not like you get a lot of warning signs leading up to it. It's one of these things that you keep piling it and piling it and you can make the payments and all of a sudden now you cannot make the payments or you're car breaks down or you have a medical emergency, and that throws you off. And now you start falling behind and that causes people to spiral into default and foreclosures and bankruptcies."

But the news isn't all bad. Credit card deliquencies are at their lowest level since 2006.