With the number of delinquent credit card accounts decreasing by as much as over 41% in some cities over the past year, the personal-finance company WalletHub today released its new report on the Cities Where Credit Card Delinquency Is Decreasing the Most, to highlight where people are struggling the least. You can check out some key findings below.
| Increasing the Most | Increasing the Least |
| 1. St. Louis, MO 2. San Bernardino, CA 3. Madison, WI 4. Cincinnati, OH 5. Boston, MA 6. Minneapolis, MN 7. Anchorage, AK 8. Omaha, NE 9. Jersey City, NJ 10. Fort Wayne, IN | 91. Lincoln, NE 92. Boise, ID 93. Chandler, AZ 94. Durham, NC 95. Chesapeake, VA 96. Chula Vista, CA 97. Garland, TX 98. Gilbert, AZ 99. Wichita, KS 100. Winston-Salem, NC |
For the full report and to see where your city ranks, please visit:
https://wallethub.com/edu/
“If you miss a credit card payment, don’t panic! Your issuer won’t report you as delinquent to the credit bureaus until you’re 30 days late. You’ll still have to deal with any late fee or penalty rate consequences your issuer decides to implement, but if you can manage to get current before 30 days are up, you can avoid a big credit score hit. In addition, if you’re unable to make payment due to financial difficulty, you can always ask if your issuer has a hardship plan that may allow you to skip payments, avoid fees or get a lower interest rate temporarily.”
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“Credit card delinquency is decreasing the most in St. Louis, MO, as the city’s residents were delinquent on over 41% less credit card tradelines in Q1 2026 than Q1 2025. St. Louis’s declining delinquency rate may have less to do with reduced access to credit and more to do with residents' ability to effectively manage their existing balance, as they had the 27th least credit card debt in Q1 2026.”
- John Kiernan, WalletHub Editor
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