A new analysis from Upgraded Points identifies where young adults are struggling most with severe credit card delinquency, analyzing the most recent data from the Federal Reserve Bank of Philadelphia. Researchers ranked U.S. metros and states by the share of credit cardholders ages 18 to 34 with credit card debt at least 90 days overdue in Q1 2025. The analysis also includes delinquency shares in Q1 2022, average credit card debt in each location, and how many young adults have exceptionally high credit utilization (over 75% of their credit limits).
