In the U.S., approximately 1.7% of credit card accounts are more than 30 days past due, which includes people who have let their bills go unpaid for more than 60 and 90 days, according to 2014 third quarter data from Experian Intelliview.
In some states, the average delinquency rate is much worse. The states with the 10 highest credit card delinquency rates in the third quarter are all found in the South or Southwest regions.
Delinquency tends to mean a cardholder faces one or several financial issues. Cardholders who are 30 or more days past due on their credit card bills, in the best case, simply forgot to make the payment. Perhaps they weren't paying attention, missed the statement in the mail or didn't realize they weren't set up to make automatic payments. Whatever the reason, most credit card delinquencies involve consumers who are only a bit more than 30 days past due.
In inverse order of highest rate, they include:
Q3 credit card delinquency rate: 1.96% of credit card accounts more than 30 days past due
Delinquency rate: 2%
Delinquency rate: 2.03%
Delinquency rate: 2.04%
Delinquency rate: 2.13%
5. West Virginia
Delinquency rate: 2.15%
Delinquency rate: 2.23%
Delinquency rate: 2.24%
Delinquency rate: 2.27%
Delinquency rate: 2.82%