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10 US Cities With the Most Credit Card Debt

The Federal Reserve recently reported that credit card debt or revolving debt accounted for $1.02 trillion in November 2017, that amount is the highest level on record without adjusting for inflation dating back to December 2008. The Fed also reported that consumer borrowing grew 8.8%, the biggest gain in more than two years as Americans charged close to $28 billion in credit card, student, auto and other debt.

Credit card debt alone jumped $11.2 billion, the most in a year, bringing the total outstanding consumer debt total to $3.83 trillion.

That consumer confidence carried over into the holidays as U.S. retailers saw spending increase 4.9% in 2017 versus 2016 marking the biggest annual gain since 2011, according to MasterCard SpendingPulse data.

In a November survey of 1000 adults conducted by Experian, consumers said they planned on spending an average of $740 to pay for Holiday gift giving, up slightly from $734 in 2016. Another facilitator of this growth spurt came from online spending, which increased 18.1% this year according to the MasterCard data.

The Top Cities With the Most Credit Card Debt in 2017

When it comes to the cities with the most credit card debt, Alaska is also home to the top three cities—Fairbanks, Anchorage and Juneau. Texas has five of the top ten cities—Austin, Dallas/Fort Worth, Houston and San Antonio—with Washington, D.C., and Norfolk coming in at 4th and 5th respectively to round out the top ten.

Average Credit Card Balances by City
RankCityAverage Balance on Credit Card
1Fairbanks, AK$8,573
2Anchorage, AK$8,562
3Juneau, AK$8,277
4Washington, DC (Hagerstown, MD)$7,442
5Norfolk-Portsmouth-Newport News, VA$7,359
6Austin, TX$7,292
7Dallas-Ft. Worth, TX$7,171
8New York, NY$7,145
9Houston, TX$7,121
10San Antonio, TX$7,070
11Baltimore, MD$6,985
12Honolulu, HI$6,980
13Atlanta, GA$6,907
14San Diego, CA$6,848
15Charlottesville, VA$6,838
16Jacksonville, FL$6,781
17West Palm Beach-Ft. Pierce, FL$6,760
18Corpus Christi, TX$6,754
19Seattle-Tacoma, WA$6,729
20Denver, CO$6,720
21Philadelphia, PA$6,693
22Charleston, SC$6,674
23Hartford-New Haven, CT$6,663
24Chicago, IL$6,649
25Los Angeles, CA$6,632
26Miami-Ft. Lauderdale, FL$6,615
27Lubbock, TX$6,590
28Richmond-Petersburg, VA$6,571
29San Francisco-Oakland-San Jose, CA$6,533
30New Orleans, LA$6,510
31Colorado Springs-Pueblo, CO$6,503
32Savannah, GA$6,476
33Reno, NV$6,468
34Boston, MA-Manchester, NH$6,455
35Santa Barbara-Santa Maria-San Luis Obispo, CA$6,436
36Tulsa, OK$6,432
37Waco-Temple-Bryan, TX$6,432
38Phoenix, AZ$6,422
39Wichita Falls, TX-Lawton, OK$6,386
40Columbus, GA$6,379
41Panama City, FL$6,372
42Kansas City, KS$6,368
43Albuquerque-Santa Fe, NM$6,366
44Palm Springs, CA$6,323
45Mobile, AL-Pensacola (Fort Walton Beach), FL$6,303
46Charlotte, NC$6,296
47Tucson, AZ (Sierra Vista)$6,293
48Victoria, TX$6,279
49Las Vegas, NV$6,276
50Oklahoma City, OK$6,267
51Columbia, SC$6,262
52Providence-New Bedford, RI$6,255
53Raleigh-Durham, NC (Fayetteville)$6,251
54Albany-Schenectady-Troy, NY$6,233
55Tampa-St. Petersburg, FL (Sarasota)$6,204
56St. Louis, MO$6,203
57Augusta, GA$6,200
58Tallahassee-Thomasville, FL$6,192
59Odessa-Midland, TX$6,17
60Wilmington, DE$6,177
61Bend, OR$6,152
62Spokane, DE$6,148
63Greenville-N.Bern-Washington NC$6,142
64Butte-Bozeman, MT$6,142
65Ft. Myers-Naples, FL$6,140
66Cincinnati, OH$6,135
67Yakima-Pasco-Richland-Kennewick, WA$6,131
68Portland, OR$6,120
69Sacramento-Stockton-Modesto, CA$6,111
70Nashville, TN$6,087
71Columbus, OH$6,084
72El Paso, TX$6,078
73Helena, MT$6,068
74Salisbury, MD$6,055
75Minneapolis-St. Paul, MN$6,036
76Dothan, AL$6,027
77Cheyenne-Scottsbluff, WY$6,027
78Gainesville, FL$6,015
79Birmingham-Tuscaloosa, AL$6,013
80Amarillo, TX$5,995
81Pittsburgh, PA$5,995
82Memphis, TN$5,992
83Omaha, NE$5,991
84Orlando-Daytona Beach-Melbourne, FL$5,984
85Abilene-Sweetwater, TX$5,967
86Monterey-Salinas, CA$5,964
87Montgomery, AL (Selma)$5,960
88Salt Lake City, UT$5,953
89Idaho Falls-Pocatello, ID$5,921
90San Angelo, TX$5,921
91Cleveland-Akron, OH (Canton)$5,917
92Tyler-Longview-Lufkin-Nacogdoches, OH$5,910
93Portland-Auburn, OR$5,901
94Chico-Redding, CA$5,897
95Missoula, MT$5,891
96Baton Rouge, LA$5,889
97Detroit, MI$5,889
98Huntsville-Decatur-Florence, AL$5,886
99Burlington, VT-Plattsburgh, NY$5,881
100Shreveport, LA$5,862
101Rapid City, SD$5,860
102Macon, GA$5,858
103Biloxi-Gulfport, MI$5,852
104Beaumont-Port Arthur, TX$5,848
105Little Rock-Pine Bluff, AR$5,848
106Riverside-San Bernardino, CA$5,829
107Sherman-Ada, OK$5,823
108Wilkes Barre-Scranton, PA$5,822
109Harrisburg-Lancaster-Lebanon-York, PA$5,815
110Milwaukee, WI$5,798
111Indianapolis, ID$5,783
112Lafayette, LA$5,779
113Rochester, NY$5,775
114Billings, MT$5,765
115Boise, ID$5,754
116Buffalo, NY$5,750
117Grand Junction-Montrose, CO$5,746
118Twin Falls, ID$5,742
119Greensboro-High Point-Winston Salem, NC$5,742
120Casper-Riverton, WY$5,731
121Syracuse, NY$5,728
122Knoxville, TN$5,725
123Medford-Klamath Falls, OR$5,691
124Chattanooga, TN$5,688
125Great Falls, MT$5,686
126Zanesville, OH$5,681
127Florence-Myrtle Beach, SC$5,677
128Springfield-Holyoke, MA$5,674
129Lansing, MI$5,651
130Greenville-Spartanburg, Sc-Asheville, NC$5,647
131Roanoke-Lynchburg, VA$5,635
132Dayton, OH$5,629
133Louisville, KY$5,628
134Ft. Smith-Fayetteville-Springdale-Rogers, AR$5,605
135Topeka, KS$5,598
136Wichita-Hutchinson, KS$5,593
137Fargo-Valley City, ND$5,584
138Jackson, MS$5,582
139Albany, GA$5,564
140Rockford, IL$5,557
141Bangor, ME$5,554
142Peoria-Bloomington, IL$5,536
143Lexington, KY$5,530
144Lake Charles, LA$5,523
145Eugene, OR$5,523
146Harlingen-Weslaco-Brownsville-Mcallen, TX$5,522
147Sioux Falls, SD (Mitchell)$5,512
148Alexandria, LA$5,507
149Clarksburg-Weston, WV$5,507
150Utica, NY$5,504
151Duluth, MN-Superior, WI$5,492
152Champaign-Springfield-Decatur, IL$5,489
153Springfield, MO$5,482
154Youngstown, OH$5,480
155Tri-Cities, TN-VA$5,446
156Bakersfield, CA$5,434
157South Bend-Elkhart, OR$5,415
158Watertown, NY$5,402
159Des Moines-Ames, IA$5,393
160Minot-Bismarck-Dickinson, ND$5,391
161Binghamton, NY$5,386
162Laredo, TX$5,382
163Joplin, MO-Pittsburg, KS$5,378
164Toledo, OH$5,374
165Traverse City-Cadillac, MI$5,359
166Eureka, CA$5,359
167Jonesboro, AR$5,333
168Fresno-Visalia, CA$5,331
169Charleston-Huntington, WV$5,307
170Wheeling-Steubenville, WV$5,305
171Grand Rapids-Kalamazoo-Battle Creek, MI$5,304
172North Platte, MI$5,298
173Monroe-El Dorado, AR$5,291
174Johnstown-Altoona, PA$5,288
175Paducah-Cape Girardeau-Harrisburg-Mt Vernon, KY$5,279
176Erie, PA$5,276
177Columbia-Jefferson City, MO$5,257
178Davenport, IA-Rock Island-Moline, IL$5,216
179Bluefield-Beckley-Oak Hill, WV$5,206
180Ft. Wayne, IN$5,205
181Bowling Green, KY$5,200
182Harrisonburg, VA$5,183
183Hattiesburg-Laurel, MS$5,171
184Glendive, MT$5,147
185Flint-Saginaw-Bay City, MI$5,137
186Madison, WI$5,137
187St. Joseph, MO$5,087
188Marquette, MI$5,071
189Lincoln-Hastings-Kearney, NE$5,061
190Rochester, MN-Mason City, IA-Austin, MN$5,055
191Yuma, AZ-El Centro, CA$5,049
192Terre Haute, IN$5,038
193Parkersburg, WV$5,035
194Green Bay-Appleton, WI$5,016
195Lafayette, IN$5,007
196Elmira, NY$4,991
197Meridian, MS$4,969
198Lima, OH$4,969
199Columbus-Tupelo-West Point, OH$4,966
200La Crosse-Eau Claire, WI$4,956
201Presque Isle, ME$4,954
202Sioux City, IA$4,947
203Evansville, IN$4,940
204Cedar Rapids-Waterloo-Iowa City-Dubuque, IA$4,938
205Quincy, IL-Hannibal, MO-Keokuk, IA$4,883
206Jackson, TN$4,838
207Ottumwa, IA-Kirksville, MO$4,819
208Mankato, MN$4,723
209Wausau-Rhinelander, WI$4,721
210Greenwood-Greenville, MS$4,646
211Alpena, MI$4,376

The Top States With the Most Credit Card Debt in 2017

Alaska had the largest average credit card balance in 2017 among all states of $8,515 based on the 2017 Experian State of Credit data. Connecticut ranked 2nd with an average credit card balance of $7,258 followed by Virginia with an average credit card balance of $7,161. New Jersey ranked 4th with an average credit card balance of $7,151 with Maryland rounding out the top 5 with a balance of $7,043.

The Top States With the Largest Credit Card Balance Increase

Alaska also ranked 1st in the largest year-over-year increase towards the average credit card balances growing by $402. North Dakota ranked 2nd with a $364 increase to its average credit card balance, followed Hawaii ranking 3rd with a $308 increase. Texas ranked 4th with $278 added and Wyoming ranked 5th adding $231.

More Important Credit Card Data

The bulk of the credit card debt in America is concentrated among the most populated areas of the country. Looking at the most populated cities you can see that:

  • The top 10 most populated cities accounted for 7% of all credit card debt with an average balance of $7,545.
  • The top 20 most populated cities accounted for 12% of all credit card debt with an average balance of $7,191.
  • The top 30 most populated cities accounted for 18% of all credit card debt with an average balance of $6,898.

Looking at the least populated cities you can see that:

  • The top 10 least populated cities accounted for 5% of all credit card debt with an average balance of $5,936.
  • The top 20 least populated cities accounted for 10% of all credit card debt with an average balance of $5,711.
  • The top 30 least populated cities accounted for 14% of all credit card debt with an average balance of $5,626.

Do You Need Help Paying off Credit Card Debt?

A growing number of Americans struggle to pay off their credit card debt and fall behind on payments. If you need help to pay off credit card debt or are just trying to find the right debt management plan that works, start by educating yourself on the various strategies and options available. Knowing how much you owe and how many accounts you owe on is a good place to begin to get your credit card debt down.


Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication.
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