Key Takeaways

Georgia ranks as the third-least disciplined state in credit card use, which may lead to higher interest costs for residents.

Average credit card balance in Georgia is $7,238, with a median income of $62,468.

Georgians use 34% of their available credit, which negatively impacts credit scores despite an average FICO score of 695.

Low incomes, aggressive credit marketing, and financial literacy gaps trap residents in long debt cycles, according to experts.

Southern states, including Louisiana and Texas, also show poor credit management trends, indicating regional issues.

If your wallet feels a little lighter each month, you’re not imagining it. A new study finds Georgia is the third-least disciplined state when it comes to credit card use — and that could mean higher inte

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