What’s the Average Credit Card Debt in Every State?

The first universal credit card was introduced in 1950 and gave greater buying power to the average American consumer. But now, with more than 191 million credit card holders across the country, this line of cash may be doing more harm than good.

The fluctuating economy has never made it particularly easy for borrowers. The Bankruptcy Abuse Prevention and Consumer Protection Act was passed in 2005, which made it significantly more difficult for people to file for bankruptcy. This change forced many consumers to open credit cards to pay their outstanding bills — and credit card debt has only multiplied ever since.

Americans continue to pile on the credit card debt. Currently, the total U.S. consumer debt sits at a whopping $14.9 trillion, with the average American’s credit card debt hitting $5,315 and the average debt among those with a balance being $7,227.

But some Americans are more in debt than others, with some states holding higher average levels of credit card debt. Scholaroo collected and analyzed publicly available data for the first quarter of 2023 to find the average credit card debt among users with a balance in every state — see where your state stands. States are ranked from least to most debt.

• Average credit card debt: $5,408

• Average credit card debt: $5,642

• Average credit card debt: $6,008

• Average credit card debt: $6,035

• Average credit card debt: $6,037

• Average credit card debt: $6,090

• Average credit card debt: $6,117

• Average credit card debt: $6,160

• Average credit card debt: $6,240

• Average credit card debt: $6,315

• Average credit card debt: $6,355

• Average credit card debt: $6,367

• Average credit card debt: $6,394

• Average credit card debt: $6,401

• Average credit card debt: $6,453

• Average credit card debt: $6,475

• Average credit card debt: $6,499

• Average credit card debt: $6,620

• Average credit card debt: $6,682

• Average credit card debt: $6,744

• Average credit card debt: $6,762

• Average credit card debt: $6,900

• Average credit card debt: $6,955

• Average credit card debt: $7,063

• Average credit card debt: $7,098

• Average credit card debt: $7,213

• Average credit card debt: $7,217

• Average credit card debt: $7,365

• Average credit card debt: $7,368

• Average credit card debt: $7,415

• Average credit card debt: $7,489

• Average credit card debt: $7,518

• Average credit card debt: $7,663

• Average credit card debt: $7,714

• Average credit card debt: $7,756

• Average credit card debt: $7,758

• Average credit card debt: $7,790

• Average credit card debt: $7,905

• Average credit card debt: $7,993

• Average credit card debt: $8,011

• Average credit card debt: $8,185

• Average credit card debt: $8,405

• Average credit card debt: $8,463

• Average credit card debt: $8,556

• Average credit card debt: $8,573

• Average credit card debt: $8,701

• Average credit card debt: $8,728

• Average credit card debt: $9,044

• Average credit card debt: $9,165

• Average credit card debt: $9,408

Alexandria Bova contributed to the reporting for this article.

Data is sourced from Scholaroo and is accurate as of July 21, 2023.