Our Terms of Service and Privacy Policy have changed.

By continuing to use this site, you are agreeing to the new Privacy Policy and Terms of Service.

Cities with the most credit card debt

U.S. cities with the most credit card debt.To see the list of 25 cities with the most credit card debt, click here. By Blake Ellis, staff reporter

NEW YORK (CNNMoney) -- The Great Recession hasn't stopped Americans from swiping their credit cards and racking up debt.

The average consumer owed more than $4,200 in credit card debt by the end of 2010, according to a report from credit reporting agency Experian. That is down a modest 4% from $4,467 in the previous year, but consumers in certain cities owed a lot more than the national average.

(The agency collected data from customer credit files, looking at just bank credit cards, not retail cards that can only be used in the issuing establishment.)

Residents of San Antonio, Texas, carried the highest balances, with an average $5,177 on their cards That is more than 21% above the national average. Cardholders in Jacksonville, Fla. weren't much thriftier, carrying an average $5,115 in credit card debt. (See the top 25 cities here.)

Atlanta, Honolulu and Dallas-Fort Worth rounded out the five most indebted cities. Out of the 25 cities with the highest levels of credit card debt, nearly all were located in the South.

Credit card balances in Evansville, Ind., jumped the most during the year -- a whopping 16% -- while residents of Lafayette, La., owed 14.5% more.

At the same time that consumers continued to rack up debt, they carried fewer cards -- a recipe that can wreak havoc on your credit score.

Consumers carried an average of 1.97 cards, down 23% since 2007. That has led cardholders to utilize more than 30% of their total available balance -- up 10% from 2007.

"By carrying over credit card balances and utilizing a significant portion of their available balance, they can potentially negatively affect their credit scores, which can in turn, hurt them when it comes to applying for other types of credit down the line including mortgages and car loans," said Maxine Sweet, vice president of public education at Experian.

But not all cities were splurging last year.

Consumers in a handful of cities managed to significantly whittle down their debts. The biggest savers in 2010 were in Fort Wayne, Ind., where credit card balances dropped an average 24%. Meanwhile, residents of El Paso, Texas, and Boise, Idaho reduced their credit card balances by about 14%.  To top of page

Twenty-five cities with the most bankcard debt in December
Metropolitan statistical area Average balance
San Antonio, Texas $5,177
Jacksonville, Fla. $5,115
Atlanta, Ga. $4,960
Honolulu, Hawaii $4,939
Dallas, Texas $4,936
Norfolk, Va. $4,925
Seattle, Wash. $4,877
Austin, Texas $4,791
Richmond, Va. $4,771
San Diego, Calif. $4,673
Baltimore, Md. $4,645
Columbus, Ohio $4,631
Denver, Colo. $4,608
Tallahassee, Fla. $4,605
Colorado Springs, Colo. $4,601
Las Vegas, Nev. $4,599
Washington, D.C. $4,598
Augusta, Ga. $4,575
Reno, Nev. $4,575
Spokane, Wash. $4,572
Savannah, Ga. $4,570
Phoenix, Ariz. $4,559
Miami, Fla. $4,555
Montgomery, Ala. $4,532
Orlando, Fla. $4,525
Source: Experian
Overnight Avg Rate Latest Change Last Week
30 yr fixed3.83%3.81%
15 yr fixed2.88%2.89%
5/1 ARM3.09%2.99%
30 yr refi3.92%3.91%
15 yr refi2.97%2.99%
Rate data provided
by Bankrate.com
View rates in your area
Find personalized rates:
Index Last Change % Change
Dow 17,050.75 138.46 0.82%
Nasdaq 4,810.79 19.64 0.41%
S&P 500 2,013.43 17.60 0.88%
Treasuries 2.11 0.05 2.23%
Data as of 3:04am ET
Company Price Change % Change
Bank of America Corp... 15.75 0.00 0.00%
EMC Corp 27.18 1.22 4.70%
Apple Inc 109.50 -1.28 -1.16%
Freeport-McMoRan Inc... 13.46 0.45 3.46%
General Electric Co 28.03 0.26 0.94%
Data as of Oct 8


Judge denies request by Paul Smith's College to change its name in order to secure huge donation from philanthropist Joan Weill? More

IMF's Christine Lagarde avoided blaming China for lackluster global economic growth on Thursday, framing the country's deep slowdown as the "healthy" result of needed reforms. More

The National Domestic Workers Alliance introduced a new initiative, Good Work Code, to set standards and protections for on-demand workers. More

Karim Abouelnaga turned down a job on Wall Street to address a problem that set him back as a low-income student: the summer slide. More

One of the largest pension funds in the country says it needs to cut benefits for 273,000 current and future retirees as soon as July. Otherwise, it won't be able to pay any benefits after 2025. More