---
title: "California City Tops Credit Card Delinquencies List"
url: https://burnaze.com/article/14c974ea-ef22-4a65-bafe-223482867956
source: "Franchising.com"
original_url: https://www.franchising.com/articles/20250715_california_city_tops_credit_card_delinquencies_list.html
author: "M. Scott Morris"
category: "General"
published: 2025-07-16T07:00:00.000Z
modified: 2026-10-31T20:09:39.559Z
image: https://imgs.franchising.com/art/articles/9688_plate.jpg
---

# California City Tops Credit Card Delinquencies List

**TL;DR:** A report by WalletHub found that Fremont, California has the highest increase in credit card delinquency rates, with a 29% rise in delinquent accounts over the past year. The city's residents are struggling to manage existing balances, rather than taking on new debt.

*By M. Scott Morris, originally published in Franchising.com on 2025-07-16. [Read the original](https://www.franchising.com/articles/20250715_california_city_tops_credit_card_delinquencies_list.html).*

## Story

With the number of delinquent credit card accounts rising by as much as 29% in certain cities over the past year, the personal finance website WalletHub has released its updated report on the Cities Where Credit Card Delinquency Is Increasing the Most. The report highlights the cities where residents are facing the greatest financial challenges. "Credit card delinquency is increasing the most in Fremont, California, as the city's residents were delinquent on nearly 29% more credit card tradelines in Q1 2025 than Q1 2024," said John Kiernan, WalletHub editor.

"Fremont's rising delinquency rate may have less to do with new debt and more to do with the growing difficulty of managing existing balances, as they had the 84th highest credit card debt in Q1 2025." Increasing the most: 1. Fremont, California 2.

Plano, Texas 3. Seattle 4. Spokane, Washington 5.

Newark, New Jersey 6. Santa Ana, California 7. Anchorage, Arkansas 8.

Washington, D.C. 9.

Jersey City, New Jersey 10. Virginia Beach, Virginia Increasing the least: 91. Madison, Wisconsin 92.

Norfolk, Virginia 93. Richmond, Virginia 94. Greensboro, North Carolina 95.

New York 96. Louisville, Kentucky 97. Omaha, Nebraska 98.

## Entities

- Franchising.com (publication)
- General (sector)
- M. Scott Morris (person)
- WalletHub (company)
- John Kiernan (person)
- Fremont, California (location)
- debt management (topic)
- personal finance (topic)
- credit card delinquency (topic)

---
Originally reported by M. Scott Morris, Franchising.com (https://www.franchising.com/articles/20250715_california_city_tops_credit_card_delinquencies_list.html). Summarized by Burnaze (https://burnaze.com/article/14c974ea-ef22-4a65-bafe-223482867956).