Significant decline in the average credit limit within a city can be a warning sign that residents are facing financial difficulties. With this in mind, the personal-finance website WalletHub has released its latest report on the Cities Where Credit Limits Are Decreasing the Most, shedding light on areas where individuals may be experiencing economic strain. Below are some of the key findings from the report.
| Largest Credit Limit Decrease | Smallest Credit Limit Decrease |
| 1. St. Louis, MO | 91. Omaha, NE |
| 2. Honolulu, HI | 92. Chesapeake, VA |
| 3. Irvine, CA | 93. Stockton, CA |
| 4. San Francisco, CA | 94. Sacramento, CA |
| 5. Anaheim, CA | 95. Aurora, CO |
| 6. Oakland, CA | 96. Long Beach, CA |
| 7. Gilbert, AZ | 97. Albuquerque, NM |
| 8. Chandler, AZ | 98. Wichita, KS |
| 9. Scottsdale, AZ | 99. Winston-Salem, NC |
| 10. Lubbock, TX | 100. Fort Wayne, IN |
For the full report and to see where your city ranks, please visit:
https://wallethub.com/edu/
“When a credit card company lowers your credit limit, it’s a good idea to adjust your spending. Charging the same amount with a reduced credit limit will result in increased credit utilization, which can be detrimental to your credit score. Reducing your spending can help you keep the same credit utilization percentage. After at least six months of on-time payments, you can also consider asking your current creditors for a limit increase.”
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“St. Louis, MO, ranks first among the cities where people’s credit limits are decreasing the most. St. Louis had the biggest percent decrease in credit limits for accounts opened in Q1 2025 vs. Q1 2024, at over 50%. Credit limits haven’t dropped as much in terms of dollars because people in St. Louis had relatively low credit limits to begin with. The average credit limit on accounts opened in Q1 2025 was only $2,676, the 16th-lowest among the cities in our study.”
- Chip Lupo, WalletHub Analyst
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