GOBankingRates

Average Credit Card Debt in Every State

Orbon Alija / Getty Images

Orbon Alija / Getty Images

The first universal credit card was introduced in 1950 and gave greater buying power to the average American consumer. But now, with more than 189 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, with the Great Recession heightening debt to seemingly unrecoverable levels.

In the midst of another recession, however, Americans continue to pile on the credit card debt. Currently, the total U.S. consumer debt sits at $13.86 trillion, with the average American’s credit card debt hitting $5,938 in 2019.

To determine the average credit balance in every state, GOBankingRates analyzed Experian data that looked at the average credit card debt across America for both 2018 and 2019. GOBankingRates ranked the states from the lowest to highest average credit card balance in 2019. Interestingly, many Midwestern and Southern states boast the lowest credit card debt across the country, while much of the Northeastern region doesn’t fare as well financially. If you have an unusually high credit card balance compared to your fellow state residents, you may want to consider making a balance transfer to save money and consolidate payments.

Last updated: Sept. 25, 2020

Get Credit Card Perks
pabradyphoto / Getty Images/iStockphoto

50. Iowa

  • Average credit card debt in 2018: $4,685
  • Average credit card debt in 2019: $4,774
  • Year-over-year change: 1.90%
f11photo / Getty Images/iStockphoto

49. Wisconsin

  • Average credit card debt in 2018: $4,908
  • Average credit card debt in 2019: $4,961
  • Year-over-year change: 1.08%
DenisTangneyJr / Getty Images

48. Mississippi

  • Average credit card debt in 2018: $4,998
  • Average credit card debt in 2019: $5,134
  • Year-over-year change: 2.72%
f11photo / Shutterstock.com

47. Kentucky

  • Average credit card debt in 2018: $5,060
  • Average credit card debt in 2019: $5,140
  • Year-over-year change: 1.58%
Sean Pavone / Getty Images/iStockphoto

46. West Virginia

  • Average credit card debt in 2018: $5,074
  • Average credit card debt in 2019: $5,144
  • Year-over-year change: 1.38%

Don’t Miss: Best Rewards Credit Cards

christiannafzger / Getty Images/iStockphoto

45. Idaho

  • Average credit card debt in 2018: $5,102
  • Average credit card debt in 2019: $5,213
  • Year-over-year change: 2.18%
James Gabbert / Shutterstock.com

44. South Dakota

  • Average credit card debt in 2018: $5,131
  • Average credit card debt in 2019: $5,235
  • Year-over-year change: 2.03%
f11photo / Getty Images/iStockphoto

43. Indiana

  • Average credit card debt in 2018: $5,174
  • Average credit card debt in 2019: $5,254
  • Year-over-year change: 1.55%
DenisTangneyJr / Getty Images

42. North Dakota

  • Average credit card debt in 2018: $5,162
  • Average credit card debt in 2019: $5,265
  • Year-over-year change: 2.00%
dlewis33 / Getty Images/iStockphoto

41. Arkansas

  • Average credit card debt in 2018: $5,298
  • Average credit card debt in 2019: $5,327
  • Year-over-year change: 0.55%

Get Credit Card Perks
DenisTangneyJr / iStock.com

40. Michigan

  • Average credit card debt in 2018: $5,310
  • Average credit card debt in 2019: $5,399
  • Year-over-year change: 1.68%
MidwestWilderness / Getty Images/iStockphoto

39. Nebraska

  • Average credit card debt in 2018: $5,308
  • Average credit card debt in 2019: $5,423
  • Year-over-year change: 2.17%
Sean Pavone / Getty Images/iStockphoto

38. Maine

  • Average credit card debt in 2018: $5,143
  • Average credit card debt in 2019: $5,442
  • Year-over-year change: 5.81%
DenisTangneyJr / Getty Images/iStockphoto

37. Vermont

  • Average credit card debt in 2018: $5,278
  • Average credit card debt in 2019: $5,466
  • Year-over-year change: 3.56%
peeterv / Getty Images/iStockphoto

36. Montana

  • Average credit card debt in 2018: $5,383
  • Average credit card debt in 2019: $5,482
  • Year-over-year change: 1.84%
nikitsin.smugmug.com / Shutterstock.com

35. Minnesota

  • Average credit card debt in 2018: $5,367
  • Average credit card debt in 2019: $5,489
  • Year-over-year change: 2.27%
Sean Pavone / Getty Images/iStockphoto

34. Oregon

  • Average credit card debt in 2018: $5,319
  • Average credit card debt in 2019: $5,498
  • Year-over-year change: 3.37%

Related: Best Travel Credit Cards

benedek / Getty Images/iStockphoto

33. Ohio

  • Average credit card debt in 2018: $5,494
  • Average credit card debt in 2019: $5,560
  • Year-over-year change: 1.20%
Sean Pavone / Getty Images/iStockphoto

32. Utah

  • Average credit card debt in 2018: $5,456
  • Average credit card debt in 2019: $5,600
  • Year-over-year change: 2.64%
f11photo / Getty Images/iStockphoto

31. Missouri

  • Average credit card debt in 2018: $5,544
  • Average credit card debt in 2019: $5,601
  • Year-over-year change: 1.03%

Get Credit Card Perks
SeanPavonePhoto / iStock.com

30. Alabama

  • Average credit card debt in 2018: $5,557
  • Average credit card debt in 2019: $5,672
  • Year-over-year change: 2.07%
Sean Pavone / Getty Images/iStockphoto

29. Tennessee

  • Average credit card debt in 2018: $5,579
  • Average credit card debt in 2019: $5,688
  • Year-over-year change: 1.95%

 

Sean Pavone / Getty Images/iStockphoto

28. Kansas

  • Average credit card debt in 2018: $5,719
  • Average credit card debt in 2019: $5,769
  • Year-over-year change: 0.87%
RiverNorthPhotography / Getty Images

27. Wyoming

  • Average credit card debt in 2018: $5,754
  • Average credit card debt in 2019: $5,782
  • Year-over-year change: 0.49%
Susanne Neumann / Getty Images/iStockphoto

26. Louisiana

  • Average credit card debt in 2018: $5,712
  • Average credit card debt in 2019: $5,811
  • Year-over-year change: 1.73%

Read More: Best Airline Credit Cards

BSPollard / Getty Images

25. North Carolina

  • Average credit card debt in 2018: $5,732
  • Average credit card debt in 2019: $5,832
  • Year-over-year change: 1.74%
Sean Pavone / Getty Images/iStockphoto

24. Pennsylvania

  • Average credit card debt in 2018: $5,735
  • Average credit card debt in 2019: $5,840
  • Year-over-year change: 1.83%
Sean Pavone / Shutterstock.com

23. Oklahoma

  • Average credit card debt in 2018: $5,756
  • Average credit card debt in 2019: $5,848
  • Year-over-year change: 1.60%
Sean Pavone / Getty Images/iStockphoto

22. New Mexico

  • Average credit card debt in 2018: $5,804
  • Average credit card debt in 2019: $5,851
  • Year-over-year change: 0.81%
SeanPavonePhoto / Getty Images/iStockphoto

21. South Carolina

  • Average credit card debt in 2018: $5,765
  • Average credit card debt in 2019: $5,938
  • Year-over-year change: 3.00%

Get Credit Card Perks
DenisTangneyJr / Getty Images

20. Arizona

  • Average credit card debt in 2018: $5,909
  • Average credit card debt in 2019: $6,053
  • Year-over-year change: 2.44%

Survey: Many Americans Would Sacrifice Having a Family To Avoid Credit Card Debt

gregobagel / Getty Images

19. Washington

  • Average credit card debt in 2018: $5,998
  • Average credit card debt in 2019: $6,156
  • Year-over-year change: 2.63%
©Shutterstock.com

18. Rhode Island

  • Average credit card debt in 2018: $6,042
  • Average credit card debt in 2019: $6,177
  • Year-over-year change: 2.23%
RomanBabakin / Getty Images

17. Massachusetts

  • Average credit card debt in 2018: $6,022
  • Average credit card debt in 2019: $6,213
  • Year-over-year change: 3.17%
littleny / Shutterstock.com

16. Nevada

  • Average credit card debt in 2018: $6,036
  • Average credit card debt in 2019: $6,220
  • Year-over-year change: 3.05%
©Shutterstock.com

15. California

  • Average credit card debt in 2018: $5,998
  • Average credit card debt in 2019: $6,222
  • Year-over-year change: 3.73%

How Do You Stack Up? The Average Credit Score in Every State

Sean Pavone / Getty Images/iStockphoto

14. New Hampshire

  • Average credit card debt in 2018: $6,094
  • Average credit card debt in 2019: $6,235
  • Year-over-year change: 2.31%
Sean Pavone / Getty Images

13. Illinois

  • Average credit card debt in 2018: $6,112
  • Average credit card debt in 2019: $6,253
  • Year-over-year change: 2.31%
pabradyphoto / Getty Images/iStockphoto

12. Delaware

  • Average credit card debt in 2018: $6,176
  • Average credit card debt in 2019: $6,335
  • Year-over-year change: 2.57%
AlbertPego / Getty Images

11. Colorado

  • Average credit card debt in 2018: $6,273
  • Average credit card debt in 2019: $6,416
  • Year-over-year change: 2.28%

Get Credit Card Perks
Sean Pavone / Getty Images/iStockphoto

10. Florida

  • Average credit card debt in 2018: $6,236
  • Average credit card debt in 2019: $6,460
  • Year-over-year change: 3.59%

See: Here’s How Much Debt Americans Have in Every State

Francois Roux / Shutterstock.com

9. New York

  • Average credit card debt in 2018: $6,309
  • Average credit card debt in 2019: $6,491
  • Year-over-year change: 2.88%
Sean Pavone / Getty Images

8. Georgia

  • Average credit card debt in 2018: $6,400
  • Average credit card debt in 2019: $6,569
  • Year-over-year change: 2.64%
ejs9 / Getty Images

7. Hawaii

  • Average credit card debt in 2018: $6,441
  • Average credit card debt in 2019: $6,673
  • Year-over-year change: 3.60%
Sean Pavone / Shutterstock.com

6. Texas

  • Average credit card debt in 2018: $6,596
  • Average credit card debt in 2019: $6,753
  • Year-over-year change: 2.38%
Sean Pavone / Getty Images/iStockphoto

5. Maryland

  • Average credit card debt in 2018: $6,770
  • Average credit card debt in 2019: $6,946
  • Year-over-year change: 2.60%
Davel5957 / Getty Images/iStockphoto

4. Virginia

  • Average credit card debt in 2018: $6,822
  • Average credit card debt in 2019: $6,969
  • Year-over-year change: 2.15%
SeanPavonePhoto / Getty Images/iStockphoto

3. Connecticut

  • Average credit card debt in 2018: $6,893
  • Average credit card debt in 2019: $7,082
  • Year-over-year change: 2.74%
littleny / Getty Images

2. New Jersey

  • Average credit card debt in 2018: $6,907
  • Average credit card debt in 2019: $7,084
  • Year-over-year change: 2.56%
Jiri Kulisek / Shutterstock.com

1. Alaska

  • Average credit card debt in 2018: $7,974
  • Average credit card debt in 2019: $8,026
  • Year-over-year change: 0.65%

More From GOBankingRates

Methodology: GOBankingRates used Experian’s “A Look at U.S. Consumer Credit Card Debt” to find (1) the average credit card debt for each state for 2018 and 2019 and (2) the year-over-year change in credit card debt by state. All data used to conduct this ranking was compiled and verified on Jan. 20, 2020.