Credit limits dropped year-over-year in 46 out of 50 states as of Q2 2025. To shed light on where residents may be facing the biggest financial strain, the personal-finance company WalletHub released its report on the States Where Credit Limits Decreased the Most.
| Largest Credit Limit Decrease | Smallest Credit Limit Decrease |
| 1. Wyoming | 41. Pennsylvania |
| 2. Alaska | 42. Ohio |
| 3. Vermont | 43. Montana |
| 4. Delaware | 44. Alabama |
| 5. Colorado | 45. Kentucky |
| 6. South Carolina | 46. New Mexico |
| 7. Washington | 47. North Dakota |
| 8. Oregon | 48. Indiana |
| 9. New York | 49. New Hampshire |
| 10. Virginia | 50. Oklahoma |
For the full report and to see where your state ranks, please visit:
https://wallethub.com/edu/
“The average credit limit decreased in 46 of the 50 states year-over-year as of Q2 2025, with the decrease ranging anywhere from around 0.5% to over 16%. A variety of factors can result in credit limit reductions, such as big increases in credit card debt, delinquency on that debt, or a decline in credit score or income. Inflation also plays a role, as it forces people to charge more to their credit cards, raising their credit utilization and putting them more at risk for delinquency.”
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“Residents of Wyoming had the largest year-over-year decrease in their credit limits. The average person’s credit limit over the 12-month period ending in June 2025 was around 16% lower when compared to the previous 12-month stretch. In addition to a big overall decrease over the past year, Wyomingites also had the third-largest decrease in the average credit limit on credit cards opened specifically in Q2 2025, compared to in Q2 2024. The average credit limit was nearly 22% lower.”
- Chip Lupo, WalletHub Analyst
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