Tracking credit card balances at times is tough to juggle, especially if you unexpectedly fall behind or miss payments, leading to late fees and a lower credit score.

Late credit card payments affect many consumers across the country, but it’s glaring in some states compared to others highlighted in a recent WalletHub report.

The personal finance website takes a deep dive into where consumers are facing hardships managing their credit card bills and where states are better at taking care of these expenses.

States with the highest credit card delinquency rates

Dig deeper:

WalletHub evaluated its proprietary user data on consumer delinquency rates in the first two quarters of 2025, and here’s where states are slotted in this category.

1. Minnesota

2. Iowa

3. Kansas

4. South Da

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