Back in October we saw where 33% of Americans have more credit card debt than savings. A recent report from WalletHub says that, as of Q3 2025, Americans are carrying over $1.3 trillion in credit card debt – which they say is a staggering figure that continues to climb. In fact, the average U.S. household now owes more than $11,000 in credit card debt, marking a 0.5% decrease from the previous year. Interestingly, they say credit card debt isn’t impacting everyone equally.
“In the cities with the least sustainable credit card debt, residents tend to have low median incomes, which contributes to larger than average credit card debts. As a result, people are only able to make small payments on their debts each month, stretching out the amount of time to get debt-free to as long as 9 years. This can lead to thousands of dollars in interest payments – in some cases, more interest than the amount of debt they currently owe.” Said WalletHub Analyst Chip Lupo.
Cities with the Least Sustainable Credit Card Debt (Click on the map below to make it interactive):
Source: WalletHub
