Credit Card Champions: 20 US States Where Residents Manage Debt Most Effectively

5. Montana

Percent of Credit Card Debt Balance 90+ Days Delinquent: 7.24%

Montana is the fourth largest state in America in terms of area. However, its median household income of $56,539 in 2022 made it rank 40th in the country. Along with being the 5th best credit card debt managing state in the US, Montana’s $57,070 in total debt per capita is the 25th highest in the country.