Compare Cards released its report that found Houston has the fifth highest credit card utilization rate in the U.S. at 32.7%.
Below are the key findings, and you can view the full report here.
Highest rates: San Antonio had the highest credit card utilization rate at 35.1%, while Virginia Beach, Va.; Birmingham, Ala.; Memphis, Tenn.; and Houston rounded out the top five.
Lowest rates: San Jose, Calif., had the lowest credit card utilization rate at 23.8%. Its Bay Area neighbor, San Francisco/Oakland, was second at 26%, followed by Minneapolis/St. Paul, Minn.; Raleigh, N.C.; and Denver.
The average utilization rate among the 50 biggest cities was 30.2%. Most experts recommend that consumers keep their rate no higher than 30%.
The eight cities with the highest credit card utilization rates are all in the southern U.S., while five of the six cities with the lowest utilization rates are in the northern part of the country.