US EditionCredit card limits aren’t keeping up, and it’s hurting people in these states
- Freedom Debt Relief reported in April 2025 that Kentucky, Alabama, and Arkansas topped their Credit Pressure Index, indicating high credit card pressure.
- Freedom Debt Relief developed the Credit Pressure Index using actual data from individuals seeking their services to gain insights into financial stress levels.
- Kentucky residents carry an average credit card debt of nearly $13,000 with a typical credit limit around $16,355, coupled with comparatively low median income levels, whereas Massachusetts shows a higher average debt of $18,845 but also ranks among the states with the highest median incomes.
- Freedom Debt Relief states that settling debt means creditors accept less than full payment, which could help those facing overwhelming financial hardship.
- The findings suggest that debt relief could help individuals control payments and improve financial futures, especially in high-pressure states identified by the index.
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Credit card limits aren’t keeping up, and it’s hurting people in these states | News Channel 3-12
Credit card limits aren’t keeping up, and it’s hurting people in these states Credit card debt isn’t just about how much you owe. What matters is how close you are to your credit limits—and how hard it is to pay that debt off with the income you have. Freedom Debt Relief looked at real data from people actively seeking debt relief and created a Credit Pressure Index to get a better idea of their financial stress. The index combines how much cred…
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C 89%
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