Texas Towns Being Hit by Credit Card Debt Crisis

America has a problem with credit card debt, and it's a serious issue for everyone, but apparently, four Texas communities have a serious issue on their hands as they have made the list of cities with the "Least Sustainable Credit Card Debt," according to WalletHub.

What Do We Owe?

The average American household owes more $10,700 in credit card debt and when you add all of that up for this year so far, we owe $1.3 trillion in credit card debt.

How Did WalletHub Figure Out What We Owe?

According to WalletHub,

WalletHub drew upon TransUnion credit data to calculate the cost and time required to pay off the median card balances in more than 180 U.S. cities.

Just like any other metrics used to compare and contrast, some of us are doing better with paying off our credit card debt than others; that's a given fact because many people have higher salaries. WalletHub also shared which cities have the most sustainable credit card debt, and those cities are as follows:

Washington, DC
Columbia, MD
Madison, WI
Seattle, WA
San Jose, CA
Jersey City, NJ
Irvine, CA
San Francisco, CA
Fremont, CA

Here is a visual representation of what WalletHub found when looking at credit card debt:

Which Cities Made the Top Ten List for Least Sustainable Credit Card Debt?

Port St. Lucie, FL
El Paso, TX
Gulfport, MS
North Las Vegas, NV
Miami, FL
Dallas, TX
Knoxville, TN
Brownsville, TX
San Antonio, TX
Birmingham, AL

This information from WalletHub shows the average debt for all of the cities that were looked at and how much time it would take for someone to pay off the debt:

Cities with the Least Sustainable Credit Card Debt

Overall Rank*	City	Median Credit Card Debt	Cost to Pay Off	Payoff Time (Income Adjusted)
1	Port St. Lucie, FL	$3,426	$3,930	100 months and 23 days
2	El Paso, TX	$3,046	$3,314	96 months and 11 days
3	Gulfport, MS	$2,897	$3,116	95 months and 14 days
4	North Las Vegas, NV	$3,170	$3,257	91 months and 25 days
5	Miami, FL	$2,957	$2,946	89 months and 14 days
6	Dallas, TX	$3,485	$3,443	88 months and 25 days
7	Knoxville, TN	$3,036	$2,995	88 months and 21 days
8	Brownsville, TX	$2,538	$2,485	88 months and 4 days
9	San Antonio, TX	$3,126	$2,967	85 months and 25 days
10	Birmingham, AL	$2,967	$2,749	84 months and 2 days
11	New Orleans, LA	$3,511	$3,194	82 months and 24 days
12	Pembroke Pines, FL	$3,596	$3,270	82 months and 22 days
13	Reno, NV	$3,463	$3,142	82 months and 17 days
14	Augusta, GA	$2,724	$2,464	82 months and 11 days
15	Cape Coral, FL	$3,232	$2,898	81 months and 22 days
16	Tallahassee, FL	$3,000	$2,652	80 months and 23 days
17	Fayetteville, NC	$2,835	$2,427	78 months and 16 days
18	Tucson, AZ	$2,804	$2,336	76 months and 22 days
19	Norfolk, VA	$3,111	$2,537	75 months and 9 days
20	Springfield, MO	$2,522	$2,040	74 months and 24 days
21	Chesapeake, VA	$3,844	$3,108	74 months and 23 days
22	Laredo, TX	$2,600	$2,093	74 months and 15 days
23	Las Cruces, NM	$2,758	$2,208	74 months and 3 days
24	Ontario, CA	$3,084	$2,463	73 months and 29 days
25	Virginia Beach, VA	$3,686	$2,917	73 months and 11 days
26	Fontana, CA	$3,230	$2,546	73 months and 3 days
27	Memphis, TN	$2,739	$2,158	73 months and 3 days
28	Moreno Valley, CA	$2,983	$2,348	73 months and 1 day
29	Nashville, TN	$3,420	$2,669	72 months and 15 days
30	Shreveport, LA	$2,808	$2,188	72 months and 12 days
31	Las Vegas, NV	$3,080	$2,378	71 months and 25 days
32	Fort Lauderdale, FL	$3,555	$2,725	71 months and 11 days
33	Little Rock, AR	$3,269	$2,501	71 months and 7 days
34	Corpus Christi, TX	$2,986	$2,282	71 months and 6 days
35	Mobile, AL	$2,802	$2,104	70 months and 3 days
36	Tulsa, OK	$2,874	$2,144	69 months and 21 days
37	Anchorage, AK	$4,061	$3,011	69 months and 10 days
38	Jacksonville, FL	$3,022	$2,236	69 months and 5 days
39	St. Petersburg, FL	$3,294	$2,425	68 months and 28 days
40	Glendale, AZ	$2,895	$2,128	68 months and 25 days
40	Dover, DE	$2,895	$2,128	68 months and 25 days
42	Lubbock, TX	$2,892	$2,121	68 months and 21 days
43	Jackson, MS	$2,336	$1,711	68 months and 18 days
44	Columbus, GA	$2,714	$1,959	67 months and 22 days
45	Baton Rouge, LA	$2,862	$2,052	67 months and 10 days
46	Rapid City, SD	$2,857	$2,041	67 months and 3 days
47	Juneau, AK	$3,873	$2,764	67 months and 1 day
48	Missoula, MT	$2,815	$2,006	66 months and 29 days
49	Hialeah, FL	$2,223	$1,575	66 months and 19 days
50	Colorado Springs, CO	$3,311	$2,341	66 months and 15 days
51	Greensboro, NC	$2,763	$1,950	66 months and 11 days
52	Riverside, CA	$3,028	$2,126	66 months and 2 days
53	Oxnard, CA	$2,671	$1,862	65 months and 21 days
54	Chula Vista, CA	$3,516	$2,443	65 months and 15 days
55	Houston, TX	$2,971	$2,059	65 months and 10 days
56	Nampa, ID	$2,585	$1,790	65 months and 9 days
57	Henderson, NV	$3,741	$2,590	65 months and 8 days
58	Charleston, SC	$3,618	$2,494	65 months and 1 day
59	Chattanooga, TN	$2,795	$1,904	64 months and 11 days
60	Long Beach, CA	$3,289	$2,236	64 months and 7 days
61	Peoria, AZ	$3,461	$2,326	63 months and 18 days
62	New York, NY	$3,878	$2,605	63 months and 17 days
63	Amarillo, TX	$2,835	$1,881	62 months and 27 days
64	San Bernardino, CA	$2,453	$1,622	62 months and 21 days
65	Richmond, VA	$3,056	$2,020	62 months and 20 days
66	Phoenix, AZ	$2,935	$1,930	62 months and 11 days
67	Detroit, MI	$2,408	$1,583	62 months and 11 days
68	Orlando, FL	$2,843	$1,847	61 months and 22 days
69	Santa Ana, CA	$2,467	$1,600	61 months and 19 days
70	Fort Smith, AR	$2,428	$1,573	61 months and 17 days
71	Fresno, CA	$2,839	$1,838	61 months and 16 days
72	Charlotte, NC	$3,242	$2,090	61 months and 9 days
73	Austin, TX	$3,714	$2,377	60 months and 28 days
74	Huntington, WV	$2,338	$1,494	60 months and 25 days
75	Los Angeles, CA	$3,154	$2,015	60 months and 25 days
76	Montgomery, AL	$2,558	$1,631	60 months and 21 days
77	Arlington, TX	$2,814	$1,790	60 months and 17 days
78	Santa Clarita, CA	$4,437	$2,816	60 months and 13 days
79	St. Louis, MO	$2,974	$1,860	59 months and 20 days
80	Wilmington, DE	$3,112	$1,937	59 months and 12 days
81	Rutland, VT	$2,729	$1,676	58 months and 22 days
82	Wichita, KS	$2,644	$1,611	58 months and 9 days
83	Stockton, CA	$2,707	$1,637	57 months and 28 days
84	Grand Prairie, TX	$2,848	$1,719	57 months and 25 days
85	Atlanta, GA	$4,108	$2,477	57 months and 23 days
86	Garland, TX	$2,481	$1,489	57 months and 16 days
87	Mesa, AZ	$2,837	$1,700	57 months and 13 days
88	Columbia, SC	$2,788	$1,655	56 months and 29 days
89	Scottsdale, AZ	$4,430	$2,627	56 months and 28 days
90	Tampa, FL	$3,058	$1,798	56 months and 14 days
91	Cheyenne, WY	$3,042	$1,770	55 months and 29 days
92	Oceanside, CA	$3,146	$1,828	55 months and 27 days
93	Raleigh, NC	$3,215	$1,867	55 months and 26 days
94	Spokane, WA	$2,893	$1,675	55 months and 22 days
95	Aurora, CO	$2,959	$1,709	55 months and 17 days
96	Bakersfield, CA	$2,941	$1,677	54 months and 30 days
97	Albuquerque, NM	$2,800	$1,596	54 months and 29 days
98	Warwick, RI	$3,379	$1,911	54 months and 16 days
99	Fort Worth, TX	$2,888	$1,630	54 months and 13 days
100	Akron, OH	$2,391	$1,339	54 months and 1 day
101	West Valley City, UT	$2,453	$1,366	53 months and 24 days
102	Vancouver, WA	$2,923	$1,614	53 months and 11 days
103	Salem, OR	$2,784	$1,536	53 months and 10 days
104	Kansas City, MO	$2,812	$1,545	53 months and 4 days
105	Denver, CO	$3,558	$1,945	52 months and 28 days
106	Gilbert, AZ	$3,892	$2,120	52 months and 23 days
107	Rochester, NY	$2,423	$1,318	52 months and 21 days
108	Toledo, OH	$2,314	$1,253	52 months and 14 days
109	Oklahoma City, OK	$2,585	$1,399	52 months and 13 days
110	Salt Lake City, UT	$2,917	$1,571	52 months and 6 days
111	Sioux Falls, SD	$2,706	$1,449	51 months and 29 days
112	Anaheim, CA	$2,705	$1,448	51 months and 28 days
113	Rancho Cucamonga, CA	$3,582	$1,915	51 months and 26 days
114	Buffalo, NY	$2,466	$1,318	51 months and 25 days
115	Cincinnati, OH	$2,765	$1,473	51 months and 21 days
116	Newport News, VA	$2,593	$1,378	51 months and 17 days
117	Lexington-Fayette, KY	$2,794	$1,484	51 months and 17 days
118	Tacoma, WA	$3,130	$1,662	51 months and 16 days
119	Glendale, CA	$3,426	$1,813	51 months and 11 days
120	Boise, ID	$2,921	$1,545	51 months and 10 days
121	Fort Wayne, IN	$2,383	$1,259	51 months and 9 days
122	Chandler, AZ	$3,450	$1,816	51 months and 4 days
123	Cleveland, OH	$2,263	$1,178	50 months and 18 days
124	Milwaukee, WI	$2,351	$1,212	50 months and 5 days
125	Billings, MT	$2,730	$1,391	49 months and 20 days
126	Portland, ME	$2,883	$1,460	49 months and 11 days
127	Durham, NC	$2,980	$1,508	49 months and 10 days
128	Honolulu, HI	$2,941	$1,482	49 months and 4 days
129	Casper, WY	$2,737	$1,372	48 months and 28 days
130	Indianapolis, IN	$2,506	$1,253	48 months and 25 days
131	Omaha, NE	$2,745	$1,356	48 months and 7 days
132	Bridgeport, CT	$2,476	$1,213	47 months and 28 days
133	Charleston, WV	$2,530	$1,230	47 months and 18 days
134	Baltimore, MD	$2,813	$1,365	47 months and 14 days
135	Modesto, CA	$2,772	$1,338	47 months and 7 days
136	Newark, NJ	$2,103	$1,014	47 months and 7 days
137	Sacramento, CA	$2,865	$1,380	47 months and 5 days
138	Columbus, OH	$2,598	$1,241	46 months and 25 days
139	Grand Rapids, MI	$2,438	$1,163	46 months and 23 days
140	Fargo, ND	$2,531	$1,205	46 months and 21 days
141	Irving, TX	$2,559	$1,216	46 months and 18 days
142	St. Paul, MN	$2,742	$1,298	46 months and 13 days
143	Plano, TX	$3,505	$1,639	45 months and 28 days
144	Santa Rosa, CA	$3,065	$1,432	45 months and 27 days
145	Manchester, NH	$2,593	$1,209	45 months and 25 days
146	Huntsville, AL	$2,741	$1,272	45 months and 18 days
147	Bismarck, ND	$2,800	$1,297	45 months and 16 days
148	Providence, RI	$2,451	$1,131	45 months and 10 days
149	Overland Park, KS	$3,474	$1,602	45 months and 10 days
150	Lincoln, NE	$2,479	$1,141	45 months and 8 days
151	Tempe, AZ	$2,564	$1,174	45 months and 1 day
152	Chicago, IL	$3,004	$1,358	44 months and 16 days
153	Des Moines, IA	$2,339	$1,041	43 months and 27 days
154	Pittsburgh, PA	$2,672	$1,189	43 months and 27 days
155	Portland, OR	$3,187	$1,417	43 months and 26 days
156	Pearl City, HI	$2,836	$1,249	43 months and 14 days
157	Louisville, KY	$2,383	$1,049	43 months and 13 days
158	San Diego, CA	$3,256	$1,433	43 months and 13 days
159	Aurora, IL	$2,492	$1,089	43 months and 5 days
160	Yonkers, NY	$3,085	$1,341	42 months and 30 days
161	Philadelphia, PA	$2,575	$1,119	42 months and 29 days
162	Worcester, MA	$2,394	$962	39 months and 29 days
163	Nashua, NH	$2,849	$1,144	39 months and 28 days
164	Garden Grove, CA	$2,203	$874	39 months and 14 days
165	Winston-Salem, NC	$1,977	$784	39 months and 14 days
166	Oakland, CA	$3,230	$1,271	39 months and 4 days
167	Minneapolis, MN	$2,852	$1,113	38 months and 27 days
168	Burlington, VT	$2,542	$975	38 months and 7 days
169	New Haven, CT	$2,320	$889	38 months and 6 days
170	Boston, MA	$3,196	$1,221	38 months and 2 days
171	Cedar Rapids, IA	$2,276	$862	37 months and 25 days
172	Huntington Beach, CA	$3,527	$1,299	36 months and 26 days
173	Lewiston, ME	$1,825	$642	35 months and 7 days
174	Washington, DC	$3,777	$1,326	35 months and 6 days
175	Columbia, MD	$3,354	$1,122	33 months and 20 days
176	Madison, WI	$2,243	$704	31 months and 21 days
177	Seattle, WA	$3,447	$1,062	31 months and 3 days
178	San Jose, CA	$2,762	$745	27 months and 12 days
179	Jersey City, NJ	$2,553	$684	27 months and 6 days
180	Irvine, CA	$3,144	$788	25 months and 16 days
181	San Francisco, CA	$3,035	$671	22 months and 18 days
182	Fremont, CA	$2,544	$427	17 months and 5 days

WalletHub points out that the average resident of El Paso, Texas has three credit cards which is a great thing if you are working to build up your credit score, but if you don't use your cards responsibly you can end up in plenty of debt. That propensity to spend without the means to pay it off can be a recipe for disaster. As WalletHub points out, the average income in El Paso is the 14th lowest in the country!

When finishing up your Christmas shopping this year, you could consider paying cash so you don't have to fight paying off a credit card over the years.