Life is expensive. Whether you have kids or are living a solo life, everything costs money and it seems like everything keeps costing more.

To make it even more difficult, surprise expenditures whether they are necessary like car fixes or fun surprises like a vacation, aren’t always easy to cover. To help get all costs covered, most people have a credit card they use. But in some California cities people are using multiple cards to cover life costs.

Which Cities in California Have the Most Credit Cards

In the most recent list of cities across the United States with the most credit cards, 3 of those cities are in California. Port St. Lucie in Florida tops the list. The 3 California cities on the list are all in Southern California and just a few miles from each other.

The list comes from a study done by WalletHub where they have Irvine as 3rd in the nation and #1 in California. Garden Grove is just a few miles from Irvine (both cities are near Anaheim and Disneyland Park) and ranks 4th on the national list and 2nd in California. About 100 miles south and close to the border of Mexico, Chula Vista makes the list as the city in Cali with the 3rd most credit cards.

Source: WalletHub

How Many Credit Cards Should You Have in California

So, how many credit cards is a lot? WalletHub says there isn’t a ‘magic number of credit cards you should have in your wallet. It’s good to own multiple cards if you can manage them well’.

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In Irvine, the average number of credit cards is 6.61 which is 10 percent higher than it was in 2022. California as a state ranks 10th in the nation for the number of credit cards per person.

Causes of Credit Card Debt

Credit Card debt in America sits at a record $986 billion. And 35% of American adults carry some kind of credit card balance. Developing good financial habits, such as budgeting, saving, and understanding credit card terms, can help prevent or manage credit card debt effectively. It's important to note that each individual's situation is unique, and a combination of these factors or other personal circumstances can contribute to credit card debt. Here are some of those factors

Gallery Credit: Dr. T

10 States With The Fewest Credit Cards

In order to determine the states with the most credit cards, WalletHub compared the 50 states across two key dimensions: 1) Number of Cards and 2) Increase in Number of Credit Cards.
We evaluated those dimensions using 4 relevant metrics listed below with their corresponding weights, each metric being graded on a 100-point scale.

Gallery Credit: Kyle Matthews

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