With U.S. credit card debt over $1.3 trillion, the personal-finance company WalletHub has released its latest report Cities With the Most & Least-Sustainable Credit Card Debt shedding light on how consumers in different parts of the country are managing their financial obligations.
| Cities With Least Sustainable Debts | Cities With Most Sustainable Debts |
| 1. Gulfport, MS | 173. Worcester, MA |
| 2. North Las Vegas, NV | 174. Washington, DC |
| 3. Tallahassee, FL | 175. Columbia, MD |
| 4. Pembroke Pines, FL | 176. Madison, WI |
| 5. New Orleans, LA | 177. Seattle, WA |
| 6. Port St. Lucie, FL | 178. Irvine, CA |
| 7. El Paso, TX | 179. Jersey City, NJ |
| 8. Knoxville, TN | 180. San Jose, CA |
| 9. Norfolk, VA | 181. San Francisco, CA |
| 10. Birmingham, AL | 182. Fremont, CA |
Full rankings: https://wallethub.com/edu/cities-with-the-least-sustainable-credit-card-debt/86237
National Stats
- Q3 Improvement: At $16 billion, the increase in credit card debt during Q3 2025 was around 27% smaller than the increase in Q3 2024.
- Debt Is Well Below the Peak: Total credit card debt as of Q3 was roughly $1.33 trillion on an inflation-adjusted basis, which was about 13% below the record high.
- Household Debt Has Some Breathing Room: The average household credit card balance was around $11,019 at the end of Q3 2025, after adjusting for inflation. That’s $2,065 below the record high.
- Early Q4 Returns: Preliminary data for October shows a 0.2% decrease in credit card debt compared to the same month last year.
- Best Balance Transfer Credit Cards: The best balance transfer credit cards currently offer 0% APRs for up to 24 months, with no annual fees and low balance transfer fees.