Consumer confidence, as measured by the Discover U.S. Spending Monitor, fell for the second straight month in July, to its lowest level in two years. Since January, the monitor, based on a daily poll of 8,200 consumers, has dropped 11 points, to 82.7.

“Most consumers don’t appear to be having a carefree summer, considering the drops in confidence the monitor has reported over the last two months,” said Julie Loeger, senior vice president of brand and product management at Discover. “Continued high gas prices, poor economic numbers and uncertainty over the debt crisis certainly didn’t help their confidence.”

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