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5 U.S. states with worst credit card debt: do you live here?

James Julian
Business Trends
Published in
4 min readJan 29, 2025

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I’m currently muddling through the most expensive phase of my life.

I’m mid-career, with a sizeable mortgage, payments on one of two cars, and the energy, food, and clothing bills commensurate with having one teenage and one preteen boy living under my roof.

Oh, and both my kids play competitive sports, with fees and travel expenses that dwarf any childcare costs I ever incurred for them when they were young.

Had I not started a business to cope with this non-stop tidal wave of costs, I’d be drowning.

And even with that extra income, some months I’m living cheque-to-cheque.

Yet I can say I have only carried a balance on my credit card one time in my whole life: last year, when Christmas, travel, and fees all teamed up against me at the same time.

While I still feel guilty about that even a year later, things could certainly be worse.

A quick glance at the top 5 U.S. states with the highest credit card debt shows you and I are probably doing just fine.

Online shopping is all fun and games until the bill comes due.
Online shopping is all fun and games until the bill comes due. (Licensed by the author under the Unsplash+ License)

Ranking U.S. states with the worst credit card debt

Not all debt is bad debt, and just because you have some, it doesn’t mean you can’t handle it.

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James Julian
James Julian

Written by James Julian

James is a journalist, author, investor, and entrepreneur.

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