With credit card debt continuing to climb, aided by inflation and record-high interest rates, the personal-finance website WalletHub today released its new report on the Cities With the Most Credit Cards, to identify which areas might be financially vulnerable this year.
To determine the cities where credit card ownership is increasing the most, WalletHub analyzed its latest consumer-finance data across four key metrics. These metrics measured the average number of cards owned per person and the average number of new cards opened per person in Q4 2023, as well as the percent change in both from Q4 2022.
| Most Credit Cards | Fewest Credit Cards |
| 1. Port St. Lucie, FL | 173. Grand Rapids, MI |
| 2. Nashua, NH | 174. Honolulu, HI |
| 3. Irvine, CA | 175. Wichita, KS |
| 4. Garden Grove, CA | 176. Huntington, WV |
| 5. Cape Coral, FL | 177. Portland, ME |
| 6. Tempe, AZ | 178. Des Moines, IA |
| 7. North Las Vegas, NV | 179. South Burlington, VT |
| 8. Winston-Salem, NC | 180. Lincoln, NE |
| 9. Chula Vista, CA | 181. Pearl City, HI |
| 10. Shreveport, LA | 182. Washington, DC |
