EL PASO, Texas (KFOX14/CBS4) — A recent study by WalletHub has placed El Paso among the cities with the least sustainable credit card debt in 2026.
The report, titled “Cities With the Most & Least-Sustainable Credit Card Debt,” highlights how consumers across the U.S. are managing their financial obligations amid a national credit card debt exceeding $1.3 trillion.
El Paso ranks seventh overall for the least sustainable credit card debt.
The city holds the 64th rank for median credit-card balance at $3,000 and the 11th rank for median income at $44,742.
Additionally, El Paso ranks ninth for the cost of interest until payoff, calculated at -$3,061, and seventh for the expected payoff time frame, which is estimated at 93 months and eight days.
Nationally, credit card debt saw a $16 billion increase during the third quarter of 2025, marking a 27% smaller rise compared to the same period in 2024.
Despite this increase, total credit card debt remains about 13% below the record high, standing at approximately $1.33 trillion on an inflation-adjusted basis. The average household credit card balance was around $11,019 at the end of the third quarter, $2,065 below the peak.
Preliminary data for October indicates a 0.2% decrease in credit card debt compared to the same month last year.
WalletHub also notes that the best balance transfer credit cards currently offer 0% APRs for up to 24 months, with no annual fees and low balance transfer fees.
For more details on the rankings and to see where other cities stand, the full report is available on WalletHub’s website.
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