Vermont Leads Credit Card Delinquency Jump

WalletHub data show Vermont, Delaware and Virginia saw the largest rises in credit card late payments from Q1 to Q2 2026.

Updated on Nov. 4, 2026 in Credit Cards

Vermont Leads Credit Card Delinquency Jump

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Vermont residents were behind on nearly 9% more credit cards in Q2 2026 than in Q1 2026, the largest increase among states, according to WalletHub's analysis of proprietary user data. Delaware and Virginia also recorded increases of nearly 7% over the same period.

Why it matters

Payments become delinquent on credit reports once they are 30 days past due, and late payments remain on a credit report for seven years. High debt levels combined with high interest rates can drive rising delinquency.

WalletHub's proprietary user data shows Vermont credit card delinquency rose nearly 9% from Q1 to Q2 2026, ranking Vermont 10th among states for consumers adding the most debt. The analysis does not report absolute delinquency counts for the states.

The players

WalletHub

WalletHub is a personal finance website that publishes consumer credit and financial data analyses.

The details

WalletHub analyzed proprietary user data covering Q1 2026 to Q2 2026 to rank states by change in credit card delinquency. Delaware also ranks second nationally for increase in mortgage delinquency, which may be tied to its rising credit card delinquency, while Virginia has among the higher median credit card debts in the country.

Q1 2026: Start of the WalletHub delinquency comparison period.
Q2 2026: End of the comparison period, when the increases were recorded.
First two quarters of 2025: Virginia had the 11th-largest increase in credit card debt.

Market Dynamics

WalletHub's Q1 to Q2 2026 analysis ranks Vermont first for credit card delinquency growth, with Delaware and Virginia following. The ranking places Vermont's rise within a national pattern of consumers falling behind on card payments as debt loads grow.

Late payments reported after 30 days past due stay on a credit report for seven years, which can raise borrowing costs. Vermont residents facing higher card balances may need to prioritize on-time payments to protect their credit.

The takeaway

Paying at least the minimum by the due date prevents a payment from reaching the 30-day delinquency mark that gets reported to credit bureaus. Monitoring card balances against income can help avoid the debt buildup linked to rising delinquency.