Mississippi Has The Highest Credit Card Delinquency Rate, Florida The Lowest

The map, via Visual Capitalist’s Bruno Venditti, highlights how credit card delinquency varies widely across the U.S. in 2025.

These figures represent the share of credit card accounts that became 30 or more days past due from Q1 to Q2. The data for this visualization comes from WalletHub.

Southern States Lead in Delinquencies

The Deep South stands out with the nation’s highest delinquency rates. Mississippi tops the list at 37%, followed by Louisiana at 32% and Alabama at 31%.

These levels are far above the national norm and suggest elevated financial pressures, including lower median incomes and higher reliance on revolving debt. Several neighboring states—Arkansas, Oklahoma, Tennessee, and South Carolina—also exceed 25%.

Rank
State
Credit Card Delinquency (Q1-Q2, 2025)
1
Mississippi
36.69%
2
Louisiana
32.11%
3
Alabama
30.52%
4
Arkansas
28.11%
5
South Carolina
25.49%
6
Oklahoma
25.43%
7
Texas
24.77%
8
Tennessee
24.62%
9
North Carolina
24.19%
10
Kentucky
24.07%
11
Indiana
23.92%
12
West Virginia
23.71%
13
Delaware
22.76%
14
Georgia
22.40%
15
Missouri
22.26%
16
New Mexico
21.37%
17
Pennsylvania
21.08%
18
Michigan
20.89%
19
South Dakota
20.64%
20
Wyoming
20.23%
21
Kansas
19.76%
22
Arizona
19.72%
23
Nebraska
19.71%
24
Ohio
19.66%
25
Maryland
19.45%
26
Minnesota
19.17%
27
Virginia
19.09%
28
Nevada
18.58%
29
Idaho
18.42%
30
Wisconsin
18.35%
31
Maine
18.27%
32
Connecticut
18.16%
33
Oregon
17.87%
34
Montana
17.17%
35
Alaska
16.90%
36
Colorado
16.85%
37
Illinois
16.58%
38
New Jersey
16.57%
39
North Dakota
16.26%
40
New Hampshire
15.59%
41
New York
15.53%
42
Rhode Island
15.21%
43
California
15.08%
44
Washington
14.99%
45
Utah
14.94%
46
Hawaii
14.90%
47
Massachusetts
14.68%
48
Vermont
14.67%
49
Iowa
14.36%
50
Florida
13.99%

Midwestern and Northeastern States Remain More Stable

Most states across the Midwest and Northeast report delinquency shares between 15% and 21%. These levels reflect more stable household budgets and stronger credit profiles.

States like Iowa (14%) and Minnesota (19%) show some of the lowest delinquency rates, pointing to higher financial resilience.

Western States Show Mixed Patterns

The Western U.S. presents a more mixed landscape. California, Washington, Utah, and Hawaii all sit near the lower end at around 15%, suggesting relatively healthy consumer finances despite high living costs.

Meanwhile, states like Arizona and Nevada land closer to 19–20% in late payments.

If you enjoyed today’s post, check out The United States of Unemployment on Voronoi, the new app from Visual Capitalist.