States with Largest and Smallest Credit Card Debt Increases

Sep 10, 2025

Adam McCann, WalletHub Financial Writer

Sep 10, 2025WalletHub Financial Writer

To say Americans have a lot of credit card debt would be an understatement. The collective tab stands at roughly $1.32 trillion, with around $65 billion of that amount coming from last year alone.

While some parts of the country are racking up credit card debt at an alarming rate, other areas are contributing less to the debt increase. To determine the states with the largest and smallest credit card debt increases, WalletHub compared the 50 states based on the latest consumer-finance data available from TransUnion and the Federal Reserve, adjusted for inflation.

Table of Contents

Main Findings

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States with Largest and Smallest Credit Card Debt Increase: Q2 vs. Q1

Overall Rank*	State	Household Credit Card Debt	Household Credit Card Debt Increase	Total Credit Card Debt	Total Credit Card Debt Increase
1	California	$13,847	$263	$167,799,149,319	$3,535,565,330
2	Texas	$12,786	$243	$123,945,385,053	$2,611,556,781
3	Florida	$12,624	$240	$97,366,112,799	$2,051,525,613
4	New York	$12,045	$229	$83,316,545,003	$1,755,498,101
5	Illinois	$10,962	$208	$49,455,511,094	$1,042,038,599
6	Pennsylvania	$10,125	$192	$47,813,578,232	$1,007,442,709
7	Georgia	$12,819	$244	$46,341,043,257	$976,416,070
8	Ohio	$9,352	$178	$40,738,707,089	$858,373,603
9	New Jersey	$12,873	$245	$40,387,721,805	$850,978,265
10	North Carolina	$10,672	$203	$40,304,170,229	$849,217,815
11	Virginia	$12,164	$231	$36,494,426,188	$768,945,662
12	Michigan	$9,734	$185	$35,471,226,976	$747,386,628
13	Washington	$11,755	$223	$32,027,250,047	$674,821,269
14	Arizona	$11,950	$227	$30,145,787,289	$635,178,431
15	Massachusetts	$11,515	$219	$28,687,540,433	$604,452,846
16	Maryland	$12,690	$241	$26,779,218,011	$564,244,069
17	Tennessee	$10,720	$204	$26,772,200,157	$564,096,201
18	Colorado	$11,991	$228	$25,153,395,149	$529,987,620
19	Indiana	$9,324	$177	$22,551,120,736	$475,157,121
20	Missouri	$9,981	$190	$22,370,947,931	$471,360,840
21	South Carolina	$11,137	$212	$20,797,964,613	$438,217,732
22	Minnesota	$9,703	$184	$19,981,118,195	$421,006,596
23	Alabama	$10,659	$203	$18,930,930,051	$398,878,899
24	Wisconsin	$8,424	$160	$18,584,835,351	$391,586,607
25	Louisiana	$10,949	$208	$17,610,673,129	$371,060,793
26	Oregon	$10,714	$204	$16,444,067,616	$346,480,156
27	Connecticut	$12,549	$238	$16,075,141,362	$338,706,797
28	Oklahoma	$10,667	$203	$14,843,529,485	$312,756,462
29	Kentucky	$9,124	$173	$14,747,762,012	$310,738,620
30	Nevada	$12,832	$244	$13,696,593,902	$288,590,274
31	Utah	$12,117	$230	$11,966,743,608	$252,141,945
32	Arkansas	$9,805	$186	$10,517,280,473	$221,601,435
33	Kansas	$9,762	$186	$10,220,612,910	$215,350,583
34	Mississippi	$9,917	$188	$10,123,514,134	$213,304,690
35	Iowa	$8,480	$161	$9,972,252,176	$210,117,567
36	New Mexico	$10,271	$195	$7,643,125,571	$161,042,353
37	Idaho	$10,871	$207	$6,803,300,001	$143,347,041
38	Nebraska	$9,369	$178	$6,649,695,103	$140,110,552
39	Hawaii	$15,052	$286	$6,638,833,276	$139,881,691
40	West Virginia	$9,212	$175	$5,994,579,911	$126,307,130
41	New Hampshire	$11,333	$215	$5,634,218,310	$118,714,231
42	Maine	$9,615	$183	$5,109,088,541	$107,649,630
43	Rhode Island	$11,121	$211	$4,382,378,364	$92,337,685
44	Delaware	$11,607	$221	$4,147,900,572	$87,397,186
45	Montana	$10,085	$192	$4,117,662,673	$86,760,067
46	Alaska	$13,630	$259	$3,293,244,770	$69,389,398
47	South Dakota	$9,483	$180	$3,066,967,846	$64,621,693
48	North Dakota	$9,132	$174	$2,677,589,474	$56,417,405
49	Vermont	$9,756	$185	$2,371,334,925	$49,964,553
50	Wyoming	$10,242	$195	$2,200,261,725	$46,360,003

Notes: *No. 1 = Largest Credit Card Debt Increase
Debt figures have been adjusted for inflation as of September 1, 2025.

Methodology

To determine the states with the largest and smallest credit card debt increase from Q1 2025 to Q2 2025, we analyzed the latest data on consumers’ finances from TransUnion, as well as the Federal Reserve, adjusted for inflation.

Sources: Data used to create this ranking were collected from the U.S. Census Bureau, Federal Reserve and TransUnion.

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