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Yay North Carolina…we have lots of debt! A new report by Self looked at the credit card debt in the United States. Total U.S. credit card debt dropped from a peak of $930 billion in the final quarter of 2019 to $770 billion in the first quarter of 2021, thanks in large part to COVID-19 relief efforts.

For the most part, the rate of cardholders who transitioned into serious delinquency also plummeted last year. Despite the benefits of the debt relief and stimulus, some states are still burdened with credit card delinquency rates above 10%. Researchers ranked states according to credit card delinquency rates and included the credit card debt balance per capita and average credit scores for each location. Below you’ll find a summary of the analysis on all 50 states.

In the top 15, North Carolina ranked 14. North Carolina’s credit card delinquency rate is 9.08% and the average credit card debt balance per capita is $2,810. The average credit score is 703 at a median household income of $57,341. The unemployment rate (2020 average) was at 7.3%.

The number one state? I bet you could guess it…but it’s Nevada. Why do I feel like las Vegas has something to do with that? Nevada’s credit card delinquency rate is 13.32% with the average credit card debt balance per capita at $3,220. The average credit score is 695 with a median household income of $63,276.

Alexis Zarycki is your average girl with the hopes of leaving an everlasting impact on the world. Follow her on Instagram @official_lexpaige