Credit Card Statistics by State

Adam McCann, WalletHub Financial WriterJan 26, 2026

Adam McCann, WalletHub Financial Writer
Jan 26, 2026

Key Stats:

Most Credit Cards per User: New Jersey (3.24 on average)
Highest Credit Card Debt: Alaska ($9,255 on average)
Highest Delinquency Rate: Nevada (14.53% on average)
Highest Credit Card Late Fee: Mississippi ($29 on average)
Most Credit Card Fraud Reports per Capita: Florida (24.81 in 2024)

The average U.S. household has around five credit card accounts and $11,019 in credit card debt, according to the latest WalletHub data, but the situation varies widely by state. People in some areas of the country are relying on credit cards a lot more than others. Some are using credit responsibly, while others are abusing their access to credit.

Below, you can find state-by-state credit card statistics in a handful of important categories. These stats help illustrate how U.S. consumer strength varies geographically.

Table of Contents

Average Number of Credit Cards by State

New Jersey residents have the most credit cards per person, averaging 3.24 accounts each.

Rank	State	Cards per User
1	New Jersey	3.24
2	North Carolina	3.22
T - 3	Delaware	3.18
T - 3	Texas	3.18
5	Nevada	3.17
6	Maryland	3.15
7	Georgia	3.11
8	West Virginia	3.07
T - 9	Rhode Island	3.06
T - 9	Pennsylvania	3.06

(Source: WalletHub data, 2025)

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Average Credit Card Debt by State

Alaska residents have the most credit card debt per user, averaging $9,255.

Rank	State	Average Balance per User
1	Alaska	$9,255
2	District of Columbia	$9,124
3	Maryland	$9,047
4	New York	$8,920
5	New Jersey	$8,803
6	Georgia	$8,663
7	Florida	$8,637
8	California	$8,559
9	Connecticut	$8,416
10	Nevada	$8,378

(Source: WalletHub data, 2025)

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Credit Card Delinquency Rate by State

In Nevada, the highest average credit card delinquency rate among all the states was 14.53%, in 2024.

Rank	State	Credit Card Delinquency Rate
1	Nevada	14.53%
2	Florida	13.49%
3	Louisiana	12.90%
4	Arkansas	12.53%
4	Mississippi	12.53%
6	Georgia	12.49%
7	Oklahoma	12.19%
8	Arizona	12.11%
9	California	12.01%
10	New York	11.97%

(Source: Federal Reserve Bank of New York, 2025)

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Average Credit Card Late Fees by State

Mississippi, the highest credit card late fees in the country, at $29 on average, were recorded in 2019.

Rank	State	Average Credit Card Late Fee
1	Mississippi	$29
T-2	Alabama	$25
T-2	Alaska	$25
T-2	Louisiana	$25
T-2	Wyoming	$25
T-6	Arkansas	$24
T-6	Georgia	$24
T-6	Maryland	$24
T-6	Oklahoma	$24
T-6	South Carolina	$24
T-6	Tennessee	$24
T-6	Texas	$24
T-6	West Virginia	$24

(Source: Consumer Financial Protection Bureau, 2022)

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Credit Card Fraud by State

California residents filed the most credit card fraud reports in 2024, with 68,323 cases. This represents more than the bottom 32 states combined.

Rank	State	Credit Card Fraud Reports per Capita
1	Florida	24.81
2	Georgia	23.41
3	District of Columbia	22.39
4	Nevada	20.40
5	California	17.33
6	Delaware	16.97
7	Massachusetts	16.07
8	Louisiana	15.16
9	Maryland	14.30
10	Texas	14.22

Note: The data is presented per 10,000 persons in the state.

(Source: Federal Trade Commission, 2024)

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Raw Data

State	Average No. of Credit Cards per User	Average Credit Card Balance per User	Average Credit Card Delinquency Rates	Average Credit Card Late Fee	Credit Card Fraud Reports per Capita
Alabama	2.97	$6,619	9.86%	$25	10.17
Alaska	2.82	$9,255	8.12%	$25	3.40
Arizona	3.03	$7,769	10.13%	$22	10.68
Arkansas	2.98	$6,104	11.29%	$24	6.41
California	3.01	$8,559	10.23%	$21	17.33
Colorado	2.75	$7,322	8.33%	$20	7.03
Connecticut	3.04	$8,416	8.77%	$22	10.30
Delaware	3.18	$7,474	9.98%	$23	16.97
District of Columbia	2.51	$9,124	9.83%	$23	22.39
Florida	3.0138	$8,637	11.68%	$21	24.81
Georgia	3.11	$8,663	10.50%	$24	23.41
Hawaii	2.85	$7,883	8.31%	$20	5.57
Idaho	2.66	$7,275	7.35%	$21	3.93
Illinois	2.83	$7,141	9.07%	$20	13.91
Indiana	2.84	$6,161	9.13%	$23	7.02
Iowa	2.42	$5,795	8.20%	$21	4.08
Kansas	2.69	$6,631	8.30%	$23	4.81
Kentucky	2.87	$5,908	9.52%	$23	4.58
Louisiana	2.98	$7,015	10.98%	$25	15.16
Maine	2.86	$7,139	7.43%	$20	3.70
Maryland	3.15	$9,047	8.93%	$24	14.30
Massachusetts	2.87	$7,872	8.44%	$20	16.07
Michigan	2.76	$7,016	8.95%	$20	9.25
Minnesota	2.86	$6,989	6.65%	$19	4.83
Mississippi	2.94	$6,146	10.60%	$29	10.42
Missouri	2.86	$6,599	9.01%	$21	5.99
Montana	2.68	$6,891	7.24%	$20	3.87
Nebraska	2.77	$6,479	7.71%	$22	4.19
Nevada	3.17	$8,378	12.95%	$23	20.40
New Hampshire	2.94	$7,427	7.90%	$20	5.66
New Jersey	3.24	$8,803	8.91%	$21	13.23
New Mexico	2.86	$6,753	9.83%	$22	4.18
New York	3.06	$8,920	10.49%	$21	13.46
North Carolina	3.22	$7,487	9.62%	$22	10.11
North Dakota	2.73	$7,163	7.32%	$21	3.63
Ohio	2.73	$6,291	9.02%	$21	8.68
Oklahoma	2.8	$6,601	11.00%	$24	5.08
Oregon	2.7	$7,265	7.32%	$20	5.19
Pennsylvania	3.06	$7,275	9.88%	$20	12.72
Rhode Island	3.06	$7,494	9.30%	$20	8.95
South Carolina	3.0598	$7,388	10.40%	$24	11.77
South Dakota	2.88	$6,332	7.53%	$19	3.21
Tennessee	2.95	$6,843	9.11%	$24	7.53
Texas	3.18	$8,186	11.19%	$24	14.22
Utah	2.53	$7,991	6.37%	$20	4.94
Vermont	2.71	$7,484	7.45%	$20	3.38
Virginia	3.06	$8,353	7.54%	$20	8.22
Washington	2.73	$8,364	6.99%	$20	5.55
West Virginia	3.0708	$5,938	10.46%	$24	3.45
Wisconsin	2.68	$6,279	6.43%	$20	5.12
Wyoming	2.8	$7,636	7.65%	$25	3.17

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Credit Card Statistics by State FAQ(11 questions)

Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

What are the no-fault states for car insurance?

WalletHub

There are 12 no-fault states for car insurance: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. In these no-fault states, each driver's car insurance provider pays their medical claims after an accident regardless of who was at fault.

No-Fault Insurance States

A no-fault insurance system limits the ability of drivers and passengers to sue for additional compensation. Drivers in no-fault states can sue for injuries only if they are determined to be “severe” – the legal definition of which varies from state to state. No-fault rules only apply to injuries, however. Property damage claims in no-fault states are still paid by the at-fault driver's liability insurance.

Special Types of No-Fault States

"Choice" No-Fault States

Kentucky
New Jersey
Pennsylvania

Of the 12 “pure” no-fault states, New Jersey, Pennsylvania and Kentucky are the only ones that give drivers an option to choose between buying a no-fault insurance policy and a traditional auto liability insurance policy.

"Add-on" No-Fault States

Arkansas
Delaware
District of Columbia
Maryland
Oregon
South Dakota
Texas
Virginia
Washington

Besides the 12 no-fault states, some “add-on” states have auto liability insurance laws that are a blend of the no-fault and at-fault insurance systems. These add-on states are not considered to be true no-fault states by the Insurance Information Institute because they do not restrict or place limits on a driver's right to sue for additional compensation.

Finally, at-fault states follow a tort system, which assigns responsibility for an accident to a driver or drivers. At-fault states also allow injured parties to sue negligent drivers for injuries, as well as pain and suffering, without restrictions. Most U.S. states are at-fault states.

Insurance Rates in No-Fault States

Drivers who live in one of the 12 no-fault insurance states can expect to pay more for auto insurance than those in at-fault states. Insurance fraud is more common in no-fault states, given that claims are paid regardless of who was at fault, providing an incentive for some individuals to exaggerate the extent of their injuries. Those heightened rates of fraud, combined with mandatory PIP insurance, raise costs for auto insurers, which are passed on to consumers.

It should be no surprise that the three most expensive states in WalletHub's Cheap Car Insurance Study – Michigan, New York, and New Jersey – are all no-fault states. So if you live in a no-fault state or will be moving to one, be sure to compare quotes so that you can get an auto insurance policy that fits your needs and your budget.

Upvotes

What states is The General available in?

Delaney Simchuk, Car Insurance Writer

The General offers coverage in 44 states, including California, Texas, Florida, New York and Pennsylvania. The General is headquartered in Nashville, Tennessee and offers auto insurance, home insurance, life insurance, and more.

States The General Is Available In

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
...

Upvotes

In what states is LendingClub available?

Adam McCann, Financial Writer

LendingClub loans are available in 50 states. LendingClub also operates in Washington, DC. However, people who live in the U.S. territories of American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands are not eligible for LendingClub loans. LendingClub does not give any specific reason why they do not lend to those locations.

People in Iowa can be an investor in LendingClub, even though they can't borrow. LendingClub do not...

Upvotes

What states have Bank of the West?

Kathleen Cole

Bank of the West has branch locations in 19 states. All of the states located west of the Mississippi River have Bank of the West branches, except for Arkansas, Louisiana and Texas, while the only states with territory east of the Mississippi River that have Bank of the West are Wisconsin and Minnesota. Bank of the West does not have branches in Alaska or Hawaii.

States with Bank of the West

California

Upvotes

Is North Carolina a no-fault state?

Delaney Simchuk, Car Insurance Writer

No, North Carolina is not a no-fault state for auto insurance. North Carolina is an “at-fault” or “tort” state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident. Additionally, unlike in no-fault states, drivers in North Carolina can file lawsuits to seek compensation for even basic medical expenses after an accident.

In typical no-fault states, drivers are required to carry personal injury protection (PIP)...

Upvotes

Can I register a car in a different state than my license?

John S Kiernan, Managing Editor

You may be able to register your car in one of 13 states even if your driver's license is from out of state. States such as California, Florida and New York may allow out-of-state vehicle registration if you're a part-time resident or a military member. Other states, like North Dakota, also let you to register a car if you're employed there or you own a local business, even with a different state on your license.

...

Upvote

Can you drive a car registered in another state?

Catherine C Ford, Writer

You can drive a car registered in another state, but there's usually a limit to how long you're able to do so before changing your registration. Generally, you can drive out-of-state for up to 30 days without having to re-register the car.

State Requirements for Out-of-State Drivers

States with Temporary Non-Resident Permits

States like Hawaii and Maryland, for example, issue permits for nonresidents who intend to drive in the state for up...

Upvotes

What states is Auto-Owners available in?

Delaney Simchuk, Car Insurance Writer

Auto-Owners Insurance is offered in 26 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Auto-Owners is headquartered in Lansing, Michigan and offers auto, home, life, and business insurance policies.

To learn more, check out WalletHub's full review of Auto-Owners.

Upvotes

Can you have car insurance in another state?

Milvionne Chery Copeland, Writer

You can only buy car insurance in another state than where your permanent residence is if your car is registered in that state. Most states want your car to be registered where you have your permanent home address, but you may be eligible to register and insure a car in a different state if you are a part-time resident.

Part-time residents can include college students, military families, and people with homes in more than...

Upvotes

Will my car insurance cover me in another state?

WalletHub

Yes, your car insurance will cover you in another state if you are traveling. In the event that you get into a car accident while driving out of state, most insurance companies will typically provide coverage to meet the minimum required by that state. Insurance companies refer to this as the broadening clause, which allows them to broaden your coverage if you get into an accident in a state that requires more coverage than your...

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