States with Credit Card Delinquency Above 10%
Count of states, plus DC, where credit card delinquency exceeds 10%
Where the States with Credit Card Delinquency Above 10% stands now
The States with Credit Card Delinquency Above 10% was 36 in 2025, down from the 42 peak in 2010. It has been higher than the year before for three straight years.
What it means for households: U.S. Household Debt & Delinquency by State
How the States with Credit Card Delinquency Above 10% has moved since 2003
States with Credit Card Delinquency Above 10%: up since 2016
Number of states, counting DC, where over 10% of credit card balances are 90+ days late at year end, New York Fed Consumer Credit Panel / Equifax: 36 in 2025, up from 29 a year earlier. Annual, 2003–2025.
What the States with Credit Card Delinquency Above 10% measures
A higher count is worse for households.
States with Credit Card Delinquency Above 10% by year, 2003 to 2025
| Year | Count | Change from a year earlier |
|---|---|---|
| 2025 | 36 | +7 |
| 2024 | 29 | +16 |
| 2023 | 13 | +12 |
| 2022 | 1 | −2 |
| 2021 | 3 | −5 |
| 2020 | 8 | +5 |
| 2019 | 3 | +2 |
| 2018 | 1 | 0 |
| 2017 | 1 | 0 |
| 2016 | 1 | −2 |
| 2015 | 3 | 0 |
| 2014 | 3 | −6 |
| 2013 | 9 | −4 |
| 2012 | 13 | −8 |
| 2011 | 21 | −21 |
| 2010 | 42 | +3 |
| 2009 | 39 | +26 |
| 2008 | 13 | +1 |
| 2007 | 12 | −5 |
| 2006 | 17 | +10 |
| 2005 | 7 | −2 |
| 2004 | 9 | 0 |
| 2003 | 9 | — |
Annual · New York Fed Consumer Credit Panel / Equifax
Counties with the highest safety net and buffer scores
There's no county figure for this measure, so this list uses the safety net and buffer part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Choctaw County, OK | 94.8 |
| 2 | Stewart County, GA | 94.2 |
| 3 | Noxubee County, MS | 94.2 |
| 4 | Hudspeth County, TX | 94 |
| 5 | Brooks County, TX | 94 |
| 6 | Lake County, TN | 94 |
| 7 | Duval County, TX | 93.9 |
| 8 | Ripley County, MO | 93.5 |
| 9 | Dunklin County, MO | 93.3 |
| 10 | Quitman County, GA | 93.2 |
Questions about states with high credit card delinquency
How many states have double-digit credit card delinquency?
At the end of 2025, 36, counting the District of Columbia. A state is counted when more than 10% of its credit card balances are 90 or more days late; the New York Fed publishes the state percentages, and the count is American Default's. It ranks third highest among the 23 years since 2003; counts before 2017 also include Puerto Rico.
Is this the share of people behind on their cards?
No. Each state's figure is a share of credit card dollars, not of people, cardholders or accounts, and it includes charged-off card debt that is still on credit reports.
Why can the count change when little else does?
The state percentages come from a sample, so they carry sampling error. States sitting a few tenths of a point from 10% can be counted one year and not the next without much real change.
Where does the state-level delinquency data come from?
From the New York Fed's state-level household credit data, built from its Consumer Credit Panel, a 5% random sample of Equifax credit reports. The count uses year-end figures, which the New York Fed has published between February and May of the following year.
Sources and method for the States with Credit Card Delinquency Above 10%
- New York Fed Consumer Credit Panel / Equifax We use the annual figures as published, from 2003 through 2025, with no adjustment of our own. Federal Reserve Bank of New York’s report
We write with assistance from AI tools. Figures come from the data and sources named on this page.