These Cities Have The Highest Credit Card Delinquencies In The U.S

article

FILE-A man shows some of his credit cards as he pays for items at a store. (Photo by Joe Raedle/Getty Images)

Late credit card payments can cause a substantial financial ripple effect from negatively impacting your credit score and even qualifying for new credit to buy a home or a car.

Falling behind on credit card payments is an issue many people face nationwide, but some Americans in these specific cities are hit the hardest by it.

RELATED: These cities have the highest and lowest credit card debts in 2025

To take an in-depth look at where consumers are affected the most, WalletHub ranked cities with the highest credit card delinquencies, and their rankings used data collected on June 4, 2025, from the company’s database.

Top 20 cities with the highest credit card delinquencies

By the numbers:

WalletHub compared the 100 largest cities where the personal finance website could obtain a complete data set using proprietary user data on consumer delinquency rates between the first quarter of 2024 and the first quarter of 2025.

RELATED: Would you date someone with credit card debt? Here’s what Americans say

Here are the cities with the highest credit card delinquencies.

1. Fremont, California
2. Plano, Texas
3. Seattle
4. Spokane, Washington
5. Newark, New Jersey
6. Santa Ana, California
7. Anchorage, Alaska
8. Washington, D.C.
9. Jersey City, New Jersey
10. Virginia Beach, Virginia
11. St. Louis
12. Raleigh, North Carolina
13. Los Angeles
14. Long Beach, California
15. Irvine, California
16. Aurora, Colorado
17. Gilbert, Arizona
18. Orlando
19. Fort Wayne, Indiana
20. Cincinnati

Analysis of the top cities with credit card delinquencies

Dig deeper:

Fremont, California, Plano, Texas, and Seattle were at the top of the list of areas seeing a sharp increase in credit card delinquency rates based on WalletHub’s data.

Fremont, CA

Fremont, California has seen the biggest jump in credit card delinquency with residents late on almost 29% more credit card tradelines in the first quarter of 2025 than the first quarter of 2024. A tradeline refers to an account listed on a person’s credit report and it can include different information to determine how to manage your debt, according to Experian.

The study noted that the city’s growing delinquency rate possibly has less to do with new debt and more with the rising challenges of handling existing credit card balances. Residents of Fremont had the 84th-most credit card debt in the first quarter of 2025.

Plano, TX

According to WalletHub, Plano, Texas, had the second-highest increase in credit card delinquency in the past year. Residents were behind on payments for almost 18% more credit cards in the first quarter of 2025 compared to the first quarter of 2024.

The study noted that the city’s rising credit card delinquency could reflect financial habits. Residents in the area may be overextending themselves by relying on credit to pay for lifestyles that their incomes can’t consistently support.

Seattle, WA

Delinquent credit card accounts in Seattle grew by roughly 15% between the first quarter of 2024 and the first quarter of 2025, which ranks third in the U.S.

WalletHub determined in their findings that Seattle has low credit card debt and the second-lowest overall delinquency rate across all types of debt, implying residents demonstrate stable financial practices. However, any increase in credit card delinquency might indicate growing stress in specific populations or growing expenses squeezing even well-managed fiscal budgets.