![\"An](\"https:\/\/www.newsbeep.com\/us-ca\/wp-content\/uploads\/2026\/06\/cd1ad363a07c9cc12ba1f1f2c5106f48.jpeg\")
An image collage containing 3 images, Image 1 shows A customer holds a blue credit card over a payment terminal held by a cafe owner, Image 2 shows Mickey Mouse in front of Sleeping Beauty Castle at Disneyland Park, Image 3 shows Green street sign for Rodeo Drive in Beverly Hills, California <\/p>\n
Seven California cities landed on the list of the top 10 with the most credit card debt <\/a>in the US, as Americans grapple with record household debt and rising delinquencies <\/a>nationwide.<\/p>\n An analysis from WalletHub<\/a> examining 182 of the nation\u2019s largest cities ranked communities based on total and per-capita credit card debt.<\/p>\n Golden State cities dominated the list:<\/p>\n Santa Clarita \u2014 No. 1 nationally, with average household credit card debt of $23,714 and roughly $1.8 billion in total balances. WalletHub also noted it ranks first in debt payoff rates, suggesting high balances may reflect higher spending capacity.<\/p>\n Chula Vista \u2014 No. 2, with average debt of $20,778.<\/p>\n Rancho Cucamonga \u2014 No. 5, with $19,619.<\/p>\n Fontana \u2014 No. 7, with $19,316.<\/p>\n Oxnard \u2014 No. 8, with $19,277.<\/p>\n Moreno Valley \u2014 No. 9, with $19,127.<\/p>\n Santa Ana \u2014 No. 10, with $19,094.<\/p>\n Pearl City, Hawaii, New York and Gilbert, Arizona rounded out the rest of list.<\/p>\n Nationally, Americans held $1.4 trillion in credit card debt at the end of the first quarter of 2026, or about $11,000 per household, WalletHub found.<\/p>\n That figure remains $212 billion below the inflation-adjusted peak seen during the 2008 financial crisis.<\/p>\n Separate data from the New York Fed showed credit card balances dipped by $25 billion to $1.3 trillion in the same period, though balances are still more than 60% higher than five years ago.<\/p>\n At the same time, repayment stress is rising.<\/p>\n Download The California Post App, follow us on social, and subscribe to our newsletters <\/p>\n California Post News: Facebook<\/a>, Instagram<\/a>, TikTok<\/a>, X<\/a>, YouTube<\/a>, WhatsApp<\/a>, LinkedIn<\/a> The share of credit card balances at least 90 days delinquent climbed to 13.1%, up 0.4 percentage points from late 2025 and marking the highest level in 15 years.<\/p>\n The broader debt picture is drawing renewed political scrutiny in California.<\/p>\n Customer using credit cart for payment to owner at cafe. Nattakorn \u2013 stock.adobe.com <\/p>\n
Mickey Mouse poses in front of Sleeping Beauty Castle at Disneyland. Walt Disney Resorts via Getty Im <\/p>\n
A general view of a credit card reader. Christopher Sadowski for NY Post
Christopher Sadowski <\/p>\n
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