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

3. Minnesota

Percent of Credit Card Debt Balance 90+ Days Delinquent: 6.65%

Minnesota has one of the biggest economies in America. Its GDP was $471 billion in 2023, which was the 20th largest in the US. Minnesota is home to some of the largest companies in the US such as UnitedHealth, Target, and Best Buy.