2024年至2025年,在债务和犯罪率上升的驱动下,46个州的信贷限额下降。 Credit limits fell in 46 states from 2024 to 2025, driven by rising debt and delinquency.

从2024年至2025年,美国50个州中的46个州信贷限额下降,怀俄明州和阿拉斯加的下降幅度最大,分别为16%和近12%。 Credit limits dropped in 46 of 50 U.S. states from 2024 to 2025, with Wyoming and Alaska seeing the largest declines—16% and nearly 12%, respectively. 2025年,怀俄明州新开的卡片的限额也下降了22%。 Wyoming also had a 22% drop in limits on newly opened cards in Q2 2025. 犯罪率上升、收入下降和债务增加可能促使放款人减少信贷的可用性。 Rising delinquency, lower incomes, and increasing debt likely prompted lenders to reduce credit availability. 在全国范围内,信用卡债务达到1.2万亿美元,近一半的成年人持有余额,许多还拖延了重大的财务决定。 Nationally, credit card debt reached $1.2 trillion, with nearly half of adults carrying balances, and many delaying major financial decisions. 犯罪率不断上升的顶尖城市包括Fremont、Plano和西雅图。 Top cities with rising delinquency include Fremont, Plano, and Seattle.