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Credit cards
Where credit card debt is highest in the US
![On average, Americans owe $6,354 on bank-issued credit cards. At the state level, average credit card debt per capita varies substantially. 24/7 Wall St. reviewed the average bank card balance from creditcards.com to identify the states with the most credit card debt.](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/gettyimages-969119388.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
On average, Americans owe $6,354 on bank-issued credit cards. At the state level, average credit card debt per capita varies substantially. 24/7 Wall St. reviewed the average bank card balance from creditcards.com to identify the states with the most credit card debt.
SIphotography / Getty Images![1. Alaska • Average credit card balance: $8,515 • Cost of living: 5.4 percent more than Average • Average credit score: 668 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry1-3am.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
1. Alaska
• Average credit card balance: $8,515
• Cost of living: 5.4 percent more than Average
• Average credit score: 668
• Average number of cards: 2.9
Chilkoot / Getty Images• Average credit card balance: $8,515
• Cost of living: 5.4 percent more than Average
• Average credit score: 668
• Average number of cards: 2.9
![2. Connecticut • Average credit card balance: $7,258 • Cost of living: 8.7 percent more than Average • Average credit score: 690 • Average number of cards: 3.2](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry87.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
2. Connecticut
• Average credit card balance: $7,258
• Cost of living: 8.7 percent more than Average
• Average credit score: 690
• Average number of cards: 3.2
SeanPavonePhoto / Getty Images• Average credit card balance: $7,258
• Cost of living: 8.7 percent more than Average
• Average credit score: 690
• Average number of cards: 3.2
![3. Virginia • Average credit card balance: $7,161 • Cost of living: 2.3 percent more than Average • Average credit score: 680 • Average number of cards: 3.1](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry20-usb.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
3. Virginia
• Average credit card balance: $7,161
• Cost of living: 2.3 percent more than Average
• Average credit score: 680
• Average number of cards: 3.1
SeanPavonePhoto / Getty Images• Average credit card balance: $7,161
• Cost of living: 2.3 percent more than Average
• Average credit score: 680
• Average number of cards: 3.1
![4. New Jersey • Average credit card balance: $7,151 • Cost of living: 13.2 percent more than Average • Average credit score: 686 • Average number of cards: 3.5](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry8-qte.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
4. New Jersey
• Average credit card balance: $7,151
• Cost of living: 13.2 percent more than Average
• Average credit score: 686
• Average number of cards: 3.5
SeanPavonePhoto / Getty Images• Average credit card balance: $7,151
• Cost of living: 13.2 percent more than Average
• Average credit score: 686
• Average number of cards: 3.5
![5. Maryland • Average credit card balance: $7,043 • Cost of living: 9.5 percent more than Average • Average credit score: 672 • Average number of cards: 3.2](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry933.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
5. Maryland
• Average credit card balance: $7,043
• Cost of living: 9.5 percent more than Average
• Average credit score: 672
• Average number of cards: 3.2
SeanPavonePhoto / Getty Images• Average credit card balance: $7,043
• Cost of living: 9.5 percent more than Average
• Average credit score: 672
• Average number of cards: 3.2
![6. Hawaii • Average credit card balance: $6,981 • Cost of living: 18.4 percent more than Average • Average credit score: 693 • Average number of cards: 3.3](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry11.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
6. Hawaii
• Average credit card balance: $6,981
• Cost of living: 18.4 percent more than Average
• Average credit score: 693
• Average number of cards: 3.3
Eric Tessmer / Wikimedia Commons• Average credit card balance: $6,981
• Cost of living: 18.4 percent more than Average
• Average credit score: 693
• Average number of cards: 3.3
![7. Texas • Average credit card balance: $6,902 • Cost of living: 3.1 percent less than Average • Average credit score: 656 • Average number of cards: 3.1](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry2-w14.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
7. Texas
• Average credit card balance: $6,902
• Cost of living: 3.1 percent less than Average
• Average credit score: 656
• Average number of cards: 3.1
RoschetzkyIstockPhoto / Getty Images• Average credit card balance: $6,902
• Cost of living: 3.1 percent less than Average
• Average credit score: 656
• Average number of cards: 3.1
![8. Colorado • Average credit card balance: $6,718 • Cost of living: 3 percent more than Average • Average credit score: 688 • Average number of cards: 3.1](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry1177.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
8. Colorado
• Average credit card balance: $6,718
• Cost of living: 3 percent more than Average
• Average credit score: 688
• Average number of cards: 3.1
F11photo / Getty Images• Average credit card balance: $6,718
• Cost of living: 3 percent more than Average
• Average credit score: 688
• Average number of cards: 3.1
![9. Georgia • Average credit card balance: $6,675 • Cost of living: 7.9 percent less than Average • Average credit score: 654 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry24-imh.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
9. Georgia
• Average credit card balance: $6,675
• Cost of living: 7.9 percent less than Average
• Average credit score: 654
• Average number of cards: 3.0
Sean Pavone / Getty Images• Average credit card balance: $6,675
• Cost of living: 7.9 percent less than Average
• Average credit score: 654
• Average number of cards: 3.0
![10. New York • Average credit card balance: $6,671 • Cost of living: 15.6 percent more than Average • Average credit score: 688 • Average number of cards: 3.3](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry46-sp0.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
10. New York
• Average credit card balance: $6,671
• Cost of living: 15.6 percent more than Average
• Average credit score: 688
• Average number of cards: 3.3
Terabass / Wikimedia Commons• Average credit card balance: $6,671
• Cost of living: 15.6 percent more than Average
• Average credit score: 688
• Average number of cards: 3.3
![11. Washington • Average credit card balance: $6,592 • Cost of living: 5.5 percent more than Average • Average credit score: 693 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/seattle-washington-e1507907624703.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
11. Washington
• Average credit card balance: $6,592
• Cost of living: 5.5 percent more than Average
• Average credit score: 693
• Average number of cards: 3.0
Evenfh / Shutterstock.com• Average credit card balance: $6,592
• Cost of living: 5.5 percent more than Average
• Average credit score: 693
• Average number of cards: 3.0
![12. New Hampshire • Average credit card balance: $6,490 • Cost of living: 5.9 percent more than Average • Average credit score: 701 • Average number of cards: 3.1](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry6-v9p.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
12. New Hampshire
• Average credit card balance: $6,490
• Cost of living: 5.9 percent more than Average
• Average credit score: 701
• Average number of cards: 3.1
Sean Pavone / Getty Images• Average credit card balance: $6,490
• Cost of living: 5.9 percent more than Average
• Average credit score: 701
• Average number of cards: 3.1
![13. California • Average credit card balance: $6,481 • Cost of living: 14.4 percent more than Average • Average credit score: 680 • Average number of cards: 3.2](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry17-civ.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
13. California
• Average credit card balance: $6,481
• Cost of living: 14.4 percent more than Average
• Average credit score: 680
• Average number of cards: 3.2
Art Wager / Getty Images• Average credit card balance: $6,481
• Cost of living: 14.4 percent more than Average
• Average credit score: 680
• Average number of cards: 3.2
![14. Illinois • Average credit card balance: $6,410 • Cost of living: 1.1 percent less than Average • Average credit score: 683 • Average number of cards: 3.1](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry41-jne.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
14. Illinois
• Average credit card balance: $6,410
• Cost of living: 1.1 percent less than Average
• Average credit score: 683
• Average number of cards: 3.1
Lhongfoto / Getty Images• Average credit card balance: $6,410
• Cost of living: 1.1 percent less than Average
• Average credit score: 683
• Average number of cards: 3.1
![15. Nevada • Average credit card balance: $6,401 • Cost of living: 2.6 percent less than Average • Average credit score: 655 • Average number of cards: 3.2](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry39-e58.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
15. Nevada
• Average credit card balance: $6,401
• Cost of living: 2.6 percent less than Average
• Average credit score: 655
• Average number of cards: 3.2
F11photo / Getty Images• Average credit card balance: $6,401
• Cost of living: 2.6 percent less than Average
• Average credit score: 655
• Average number of cards: 3.2
![16. Arizona • Average credit card balance: $6,389 • Cost of living: 4.1 percent less than Average • Average credit score: 669 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageForEntry3-23.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
16. Arizona
• Average credit card balance: $6,389
• Cost of living: 4.1 percent less than Average
• Average credit score: 669
• Average number of cards: 3.0
Zereshk / Wikimedia Commons• Average credit card balance: $6,389
• Cost of living: 4.1 percent less than Average
• Average credit score: 669
• Average number of cards: 3.0
![17. Florida • Average credit card balance: $6,388 • Cost of living: 0.3 percent less than Average • Average credit score: 668 • Average number of cards: 3.2](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry9-ojnevq0yw5.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
17. Florida
• Average credit card balance: $6,388
• Cost of living: 0.3 percent less than Average
• Average credit score: 668
• Average number of cards: 3.2
Sean Pavone / Getty Images• Average credit card balance: $6,388
• Cost of living: 0.3 percent less than Average
• Average credit score: 668
• Average number of cards: 3.2
![18. Rhode Island • Average credit card balance: $6,375 • Cost of living: 0.4 percent less than Average • Average credit score: 687 • Average number of cards: 3.3](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry127.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
18. Rhode Island
• Average credit card balance: $6,375
• Cost of living: 0.4 percent less than Average
• Average credit score: 687
• Average number of cards: 3.3
SeanPavonePhoto / Getty Images• Average credit card balance: $6,375
• Cost of living: 0.4 percent less than Average
• Average credit score: 687
• Average number of cards: 3.3
![19. Delaware • Average credit card balance: $6,366 • Cost of living: 0.2 percent more than Average • Average credit score: 672 • Average number of cards: 3.1](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry25-7fs.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
19. Delaware
• Average credit card balance: $6,366
• Cost of living: 0.2 percent more than Average
• Average credit score: 672
• Average number of cards: 3.1
DenisTangneyJr / Getty Images• Average credit card balance: $6,366
• Cost of living: 0.2 percent more than Average
• Average credit score: 672
• Average number of cards: 3.1
![20. Massachusetts • Average credit card balance: $6,327 • Cost of living: 7.8 percent more than Average • Average credit score: 699 • Average number of cards: 3.2](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry314.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
20. Massachusetts
• Average credit card balance: $6,327
• Cost of living: 7.8 percent more than Average
• Average credit score: 699
• Average number of cards: 3.2
Sean Pavone / Getty Images• Average credit card balance: $6,327
• Cost of living: 7.8 percent more than Average
• Average credit score: 699
• Average number of cards: 3.2
![21. New Mexico • Average credit card balance: $6,317 • Cost of living: 6.4 percent less than Average • Average credit score: 659 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry21.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
21. New Mexico
• Average credit card balance: $6,317
• Cost of living: 6.4 percent less than Average
• Average credit score: 659
• Average number of cards: 2.8
DenisTangneyJr / Getty Images• Average credit card balance: $6,317
• Cost of living: 6.4 percent less than Average
• Average credit score: 659
• Average number of cards: 2.8
![22. Oklahoma • Average credit card balance: $6,296 • Cost of living: 11 percent less than Average • Average credit score: 656 • Average number of cards: 2.7](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry14-uz3.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
22. Oklahoma
• Average credit card balance: $6,296
• Cost of living: 11 percent less than Average
• Average credit score: 656
• Average number of cards: 2.7
Majestic_Aerials / Getty Images• Average credit card balance: $6,296
• Cost of living: 11 percent less than Average
• Average credit score: 656
• Average number of cards: 2.7
![23. Wyoming • Average credit card balance: $6,245 • Cost of living: 3.3 percent less than Average • Average credit score: 678 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry19-emb.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
23. Wyoming
• Average credit card balance: $6,245
• Cost of living: 3.3 percent less than Average
• Average credit score: 678
• Average number of cards: 2.8
Undefined Undefined / Getty Images• Average credit card balance: $6,245
• Cost of living: 3.3 percent less than Average
• Average credit score: 678
• Average number of cards: 2.8
![24. South Carolina • Average credit card balance: $6,157 • Cost of living: 9.7 percent less than Average • Average credit score: 657 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry6-vge.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
24. South Carolina
• Average credit card balance: $6,157
• Cost of living: 9.7 percent less than Average
• Average credit score: 657
• Average number of cards: 2.9
Sean Pavone / Getty Images• Average credit card balance: $6,157
• Cost of living: 9.7 percent less than Average
• Average credit score: 657
• Average number of cards: 2.9
![25. Pennsylvania • Average credit card balance: $6,146 • Cost of living: 1.6 percent less than Average • Average credit score: 687 • Average number of cards: 3.1](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry39-bpl.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
25. Pennsylvania
• Average credit card balance: $6,146
• Cost of living: 1.6 percent less than Average
• Average credit score: 687
• Average number of cards: 3.1
F11photo / Getty Images• Average credit card balance: $6,146
• Cost of living: 1.6 percent less than Average
• Average credit score: 687
• Average number of cards: 3.1
![26. North Carolina • Average credit card balance: $6,117 • Cost of living: 9.1 percent less than Average • Average credit score: 666 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry43-cyv.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
26. North Carolina
• Average credit card balance: $6,117
• Cost of living: 9.1 percent less than Average
• Average credit score: 666
• Average number of cards: 3.0
Sean Pavone / Getty Images• Average credit card balance: $6,117
• Cost of living: 9.1 percent less than Average
• Average credit score: 666
• Average number of cards: 3.0
![27. Kansas • Average credit card balance: $6,082 • Cost of living: 9.5 percent less than Average • Average credit score: 680 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry22-tcm.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
27. Kansas
• Average credit card balance: $6,082
• Cost of living: 9.5 percent less than Average
• Average credit score: 680
• Average number of cards: 2.8
Ricardoreitmeyer / Getty Images• Average credit card balance: $6,082
• Cost of living: 9.5 percent less than Average
• Average credit score: 680
• Average number of cards: 2.8
![28. Louisiana • Average credit card balance: $6,074 • Cost of living: 9.6 percent less than Average • Average credit score: 650 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry3-sdg.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
28. Louisiana
• Average credit card balance: $6,074
• Cost of living: 9.6 percent less than Average
• Average credit score: 650
• Average number of cards: 2.8
GregJK / Getty Images• Average credit card balance: $6,074
• Cost of living: 9.6 percent less than Average
• Average credit score: 650
• Average number of cards: 2.8
![29. Oregon • Average credit card balance: $6,012 • Cost of living: 0.2 percent less than Average • Average credit score: 688 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry33-a59.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
29. Oregon
• Average credit card balance: $6,012
• Cost of living: 0.2 percent less than Average
• Average credit score: 688
• Average number of cards: 3.0
4nadia / Getty Images• Average credit card balance: $6,012
• Cost of living: 0.2 percent less than Average
• Average credit score: 688
• Average number of cards: 3.0
![30. Tennessee • Average credit card balance: $5,975 • Cost of living: 9.8 percent less than Average • Average credit score: 662 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry350.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
30. Tennessee
• Average credit card balance: $5,975
• Cost of living: 9.8 percent less than Average
• Average credit score: 662
• Average number of cards: 2.8
SeanPavonePhoto / Getty Images• Average credit card balance: $5,975
• Cost of living: 9.8 percent less than Average
• Average credit score: 662
• Average number of cards: 2.8
![31. Alabama • Average credit card balance: $5,961 • Cost of living: 13.4 percent less than Average • Average credit score: 654 • Average number of cards: 2.7](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry44-z39.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
31. Alabama
• Average credit card balance: $5,961
• Cost of living: 13.4 percent less than Average
• Average credit score: 654
• Average number of cards: 2.7
SeanPavonePhoto / Getty Images• Average credit card balance: $5,961
• Cost of living: 13.4 percent less than Average
• Average credit score: 654
• Average number of cards: 2.7
![32. Utah • Average credit card balance: $5,960 • Cost of living: 2.7 percent less than Average • Average credit score: 683 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry30-6gt.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
32. Utah
• Average credit card balance: $5,960
• Cost of living: 2.7 percent less than Average
• Average credit score: 683
• Average number of cards: 3.0
Johnnya123 / Getty Images• Average credit card balance: $5,960
• Cost of living: 2.7 percent less than Average
• Average credit score: 683
• Average number of cards: 3.0
![33. Vermont • Average credit card balance: $5,924 • Cost of living: 1.6 percent more than Average • Average credit score: 702 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry36-aa7.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
33. Vermont
• Average credit card balance: $5,924
• Cost of living: 1.6 percent more than Average
• Average credit score: 702
• Average number of cards: 2.9
Sean Pavone / Getty Images• Average credit card balance: $5,924
• Cost of living: 1.6 percent more than Average
• Average credit score: 702
• Average number of cards: 2.9
![34. Minnesota • Average credit card balance: $5,911 • Cost of living: 2.5 percent less than Average • Average credit score: 709 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry39-imd.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
34. Minnesota
• Average credit card balance: $5,911
• Cost of living: 2.5 percent less than Average
• Average credit score: 709
• Average number of cards: 3.0
RudyBalasko / Getty Images• Average credit card balance: $5,911
• Cost of living: 2.5 percent less than Average
• Average credit score: 709
• Average number of cards: 3.0
![35. Missouri • Average credit card balance: $5,897 • Cost of living: 10.5 percent less than Average • Average credit score: 675 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry35-xpo.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
35. Missouri
• Average credit card balance: $5,897
• Cost of living: 10.5 percent less than Average
• Average credit score: 675
• Average number of cards: 2.9
F11photo / Getty Images• Average credit card balance: $5,897
• Cost of living: 10.5 percent less than Average
• Average credit score: 675
• Average number of cards: 2.9
![36. Montana • Average credit card balance: $5,845 • Cost of living: 5.9 percent less than Average • Average credit score: 689 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry7-zrs.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
36. Montana
• Average credit card balance: $5,845
• Cost of living: 5.9 percent less than Average
• Average credit score: 689
• Average number of cards: 2.9
TheBigMK / Getty Images• Average credit card balance: $5,845
• Cost of living: 5.9 percent less than Average
• Average credit score: 689
• Average number of cards: 2.9
![37. Ohio • Average credit card balance: $5,843 • Cost of living: 10.7 percent less than Average • Average credit score: 678 • Average number of cards: 3.0](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry13-anl.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
37. Ohio
• Average credit card balance: $5,843
• Cost of living: 10.7 percent less than Average
• Average credit score: 678
• Average number of cards: 3.0
Sean Pavone / Getty Images• Average credit card balance: $5,843
• Cost of living: 10.7 percent less than Average
• Average credit score: 678
• Average number of cards: 3.0
![38. Idaho • Average credit card balance: $5,817 • Cost of living: 7 percent less than Average • Average credit score: 681 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry15-mvv.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
38. Idaho
• Average credit card balance: $5,817
• Cost of living: 7 percent less than Average
• Average credit score: 681
• Average number of cards: 2.9
Knowlesgallery / Getty Images• Average credit card balance: $5,817
• Cost of living: 7 percent less than Average
• Average credit score: 681
• Average number of cards: 2.9
![39. Maine • Average credit card balance: $5,784 • Cost of living: 1.6 percent less than Average • Average credit score: 689 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry42-bxg.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
39. Maine
• Average credit card balance: $5,784
• Cost of living: 1.6 percent less than Average
• Average credit score: 689
• Average number of cards: 2.9
SeanPavonePhoto / Getty Images• Average credit card balance: $5,784
• Cost of living: 1.6 percent less than Average
• Average credit score: 689
• Average number of cards: 2.9
![40. South Dakota • Average credit card balance: $5,692 • Cost of living: 11.7 percent less than Average • Average credit score: 700 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry13-c76.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
40. South Dakota
• Average credit card balance: $5,692
• Cost of living: 11.7 percent less than Average
• Average credit score: 700
• Average number of cards: 2.8
EunikaSopotnicka / Getty Images• Average credit card balance: $5,692
• Cost of living: 11.7 percent less than Average
• Average credit score: 700
• Average number of cards: 2.8
![41. Arkansas • Average credit card balance: $5,660 • Cost of living: 13.1 percent less than Average • Average credit score: 657 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry48-su6.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
41. Arkansas
• Average credit card balance: $5,660
• Cost of living: 13.1 percent less than Average
• Average credit score: 657
• Average number of cards: 2.8
Belinda Hankins Miller From U.S.A., Upload By Herrick 10:33, 15 November 2007 (UTC) / Wikimedia Commons• Average credit card balance: $5,660
• Cost of living: 13.1 percent less than Average
• Average credit score: 657
• Average number of cards: 2.8
![42. Nebraska • Average credit card balance: $5,630 • Cost of living: 9.5 percent less than Average • Average credit score: 695 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry25-9m9.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
42. Nebraska
• Average credit card balance: $5,630
• Cost of living: 9.5 percent less than Average
• Average credit score: 695
• Average number of cards: 2.8
ChrisBoswell / Getty Images• Average credit card balance: $5,630
• Cost of living: 9.5 percent less than Average
• Average credit score: 695
• Average number of cards: 2.8
![43. Michigan • Average credit card balance: $5,622 • Cost of living: 6.7 percent less than Average • Average credit score: 677 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry19-eha.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
43. Michigan
• Average credit card balance: $5,622
• Cost of living: 6.7 percent less than Average
• Average credit score: 677
• Average number of cards: 2.9
Pawel.gaul / Getty Images• Average credit card balance: $5,622
• Cost of living: 6.7 percent less than Average
• Average credit score: 677
• Average number of cards: 2.9
![44. Indiana • Average credit card balance: $5,581 • Cost of living: 9.7 percent less than Average • Average credit score: 667 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry27-bej.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
44. Indiana
• Average credit card balance: $5,581
• Cost of living: 9.7 percent less than Average
• Average credit score: 667
• Average number of cards: 2.8
F11photo / Getty Images• Average credit card balance: $5,581
• Cost of living: 9.7 percent less than Average
• Average credit score: 667
• Average number of cards: 2.8
![45. Kentucky • Average credit card balance: $5,555 • Cost of living: 12.2 percent less than Average • Average credit score: 663 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry31-zdv.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
45. Kentucky
• Average credit card balance: $5,555
• Cost of living: 12.2 percent less than Average
• Average credit score: 663
• Average number of cards: 2.8
Sean Pavone / Getty Images• Average credit card balance: $5,555
• Cost of living: 12.2 percent less than Average
• Average credit score: 663
• Average number of cards: 2.8
![46. West Virginia • Average credit card balance: $5,547 • Cost of living: 12.4 percent less than Average • Average credit score: 658 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry32-inq.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
46. West Virginia
• Average credit card balance: $5,547
• Cost of living: 12.4 percent less than Average
• Average credit score: 658
• Average number of cards: 2.8
Sean Pavone / Getty Images• Average credit card balance: $5,547
• Cost of living: 12.4 percent less than Average
• Average credit score: 658
• Average number of cards: 2.8
![47. North Dakota • Average credit card balance: $5,511 • Cost of living: 8.5 percent less than Average • Average credit score: 697 • Average number of cards: 2.9](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/247WallSt.com-247WS-531346-imageforentry1101.jpg?width=660&height=371&fit=crop&format=pjpg&auto=webp)
47. North Dakota
• Average credit card balance: $5,511
• Cost of living: 8.5 percent less than Average
• Average credit score: 697
• Average number of cards: 2.9
DenisTangneyJr / Getty Images• Average credit card balance: $5,511
• Cost of living: 8.5 percent less than Average
• Average credit score: 697
• Average number of cards: 2.9
![48. Mississippi • Average credit card balance: $5,421 • Cost of living: 13.6 percent less than Average • Average credit score: 647 • Average number of cards: 2.6](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry21-sdb.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
48. Mississippi
• Average credit card balance: $5,421
• Cost of living: 13.6 percent less than Average
• Average credit score: 647
• Average number of cards: 2.6
SeanPavonePhoto / Getty Images• Average credit card balance: $5,421
• Cost of living: 13.6 percent less than Average
• Average credit score: 647
• Average number of cards: 2.6
![49. Wisconsin • Average credit card balance: $5,363 • Cost of living: 7.2 percent less than Average • Average credit score: 696 • Average number of cards: 2.8](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry23-7yh.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
49. Wisconsin
• Average credit card balance: $5,363
• Cost of living: 7.2 percent less than Average
• Average credit score: 696
• Average number of cards: 2.8
Ron_Thomas / Getty Images• Average credit card balance: $5,363
• Cost of living: 7.2 percent less than Average
• Average credit score: 696
• Average number of cards: 2.8
![50. Iowa •Average credit card balance: $5,155 • Cost of living: 9.8 percent less than Average • Average credit score: 695 • Average number of cards: 2.7](https://cdn.statically.io/img/www.usatoday.com/gcdn/media/2019/02/28/USATODAY/usatsports/imageforentry22-23e.jpg?width=660&height=372&fit=crop&format=pjpg&auto=webp)
50. Iowa
•Average credit card balance: $5,155
• Cost of living: 9.8 percent less than Average
• Average credit score: 695
• Average number of cards: 2.7
Ron_Thomas / Getty Images•Average credit card balance: $5,155
• Cost of living: 9.8 percent less than Average
• Average credit score: 695
• Average number of cards: 2.7
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