Mapped: U.S. Credit Card Delinquency Rates by State (2025)

The map, via Visual Capitalist's Bruno Venditti, highlights how credit card delinquency varies widely across the U.S. in 2025.

These figures represent the share of credit card accounts that became 30 or more days past due from Q1 to Q2. The data for this visualization comes from WalletHub.

Southern States Lead in Delinquencies

The Deep South stands out with the nation’s highest delinquency rates. Mississippi tops the list at 37%, followed by Louisiana at 32% and Alabama at 31%.

These levels are far above the national norm and suggest elevated financial pressures, including lower median incomes and higher reliance on revolving debt. Several neighboring states—Arkansas, Oklahoma, Tennessee, and South Carolina—also exceed 25%.

Rank	State	Credit Card Delinquency (Q1-Q2, 2025)
1	Mississippi	36.69%
2	Louisiana	32.11%
3	Alabama	30.52%
4	Arkansas	28.11%
5	South Carolina	25.49%
6	Oklahoma	25.43%
7	Texas	24.77%
8	Tennessee	24.62%
9	North Carolina	24.19%
10	Kentucky	24.07%
11	Indiana	23.92%
12	West Virginia	23.71%
13	Delaware	22.76%
14	Georgia	22.40%
15	Missouri	22.26%
16	New Mexico	21.37%
17	Pennsylvania	21.08%
18	Michigan	20.89%
19	South Dakota	20.64%
20	Wyoming	20.23%
21	Kansas	19.76%
22	Arizona	19.72%
23	Nebraska	19.71%
24	Ohio	19.66%
25	Maryland	19.45%
26	Minnesota	19.17%
27	Virginia	19.09%
28	Nevada	18.58%
29	Idaho	18.42%
30	Wisconsin	18.35%
31	Maine	18.27%
32	Connecticut	18.16%
33	Oregon	17.87%
34	Montana	17.17%
35	Alaska	16.90%
36	Colorado	16.85%
37	Illinois	16.58%
38	New Jersey	16.57%
39	North Dakota	16.26%
40	New Hampshire	15.59%
41	New York	15.53%
42	Rhode Island	15.21%
43	California	15.08%
44	Washington	14.99%
45	Utah	14.94%
46	Hawaii	14.90%
47	Massachusetts	14.68%
48	Vermont	14.67%
49	Iowa	14.36%
50	Florida	13.99%

Midwestern and Northeastern States Remain More Stable

Most states across the Midwest and Northeast report delinquency shares between 15% and 21%. These levels reflect more stable household budgets and stronger credit profiles.

States like Iowa (14%) and Minnesota (19%) show some of the lowest delinquency rates, pointing to higher financial resilience.

Western States Show Mixed Patterns

The Western U.S. presents a more mixed landscape. California, Washington, Utah, and Hawaii all sit near the lower end at around 15%, suggesting relatively healthy consumer finances despite high living costs.

Meanwhile, states like Arizona and Nevada land closer to 19–20% in late payments.

If you enjoyed today’s post, check out The United States of Unemployment on Voronoi, the new app from Visual Capitalist.

As an Alabamian, it isn’t just being black that makes the South so poor, it is that the South has rural blacks. Other places black populations are predominately urban.

Florida is a very populated state with a lot of industry. While there are certainly rural places, none are far away from places to work.

Now imagine a Mississippi county with 50,000 people, 85 % black and no industry except farms, a few gas stations and convenience stores. Farming is now mechanized so no jobs there.

We had a plantation in Macon County, Alabama that had 12,000 slaves at the end of the Civil war. It has less than 20,000 people as of 2024. It is 80% black. Share cropping employed almost all of the freed slaves until WWII, when mechanized cotton harvesters started to appear. Share cropping was finished by the late 60s. Unless you moved away to where the jobs are, you are on government assistance doing nothing.

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