Credit Card delinquencies continue to dog consumers nationwide

With the number of delinquent credit card accounts rising by as much as 29% in certain cities over the past year, the personal finance website WalletHub has released its updated report on the Cities where Credit Card Delinquency is Increasing the Most. The report highlights the cities where residents are facing the greatest financial challenges. Below are some key takeaways.

For the full report and to see where your city ranks, please visit:
https://wallethub.com/edu/cities-where-credit-card-delinquency-is-increasing-most/136688




"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 increasing the most in Fremont, CA, as the city's residents were delinquent on nearly 29% more credit card tradelines in Q1 2025 than Q1 2024. Fremont's rising delinquency rate may have less to do with new debt and more to do with the growing difficulty of managing existing balances, as they had the 84th highest credit card debt in Q1 2025."

- John Kiernan, WalletHub Editor