Destacado, Economía

Miami y Hialeah lideran las deudas en tarjetas de crédito de EE.UU.

Un estudio del sitio de finanzas personales WalletHub dio a conocer que Miami y Hialeah ocupan el primero y el segundo lugar en una de esas listas a las que nadie quisiera ser invitado porque duelen demasiado al bolsillo. Son las ciudades de Estados Unidos que más tiempo les tomará pagar las deudas de tarjeta […]

Por Allan Brito
Miami y Hialeah lideran las deudas en tarjetas de crédito de EE.UU.
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Un estudio del sitio de finanzas personales WalletHub dio a conocer que Miami y Hialeah ocupan el primero y el segundo lugar en una de esas listas a las que nadie quisiera ser invitado porque duelen demasiado al bolsillo. Son las ciudades de Estados Unidos que más tiempo les tomará pagar las deudas de tarjeta de crédito.

En el estudio se tomaron en cuenta 182 ciudades en los que se tomaron las variables del ingreso de sus residentes y los datos sobre la deuda en tarjetas hasta septiembre, aportados por la agencia de crédito TransUnion.

Con un promedio en deudas de tarjetas de crédito de $2,247, a un residente de Miami le tomará más de siete años saldarla, y terminará pagando $1,607 más en intereses. Los residentes de Hialeah deben un poco menos, $1,911, y amortizarán la deuda en casi siete años, para ser exactos en 83 meses, y pagarán $1,259 extra en intereses.

Del mismo modo, el estudio asume que la tasa de interés a la que se pagará la deuda existente es 17.13 por ciento, y no incluyó las deudas contraídas con tarjetas de crédito que pertenecen a tiendas. Miami y Hialeah no encabezan la lista porque sus residentes son los que deben mayores cantidades, sino porque el ingreso promedio por familia es más bajo. Los residentes de Washington, D.C., que está en la posición 169, tienen una deuda mayor, $2,788, pero la terminarán de pagar en 37 meses (tres años), y solo pagarán $766 en intereses, según cuenta la nota de El Nuevo Herald.

Los residentes de San Francisco, en el penúltimo lugar, el 181, tienen una deuda en tarjetas de crédito de $2,315, pero la saldarán en 25 meses, un poco más de dos años, y pagarán $426 en intereses. Lo peor de todo esto es que existe el riesgo de que las deudas en tarjetas de crédito aumenten durante las fiestas.

Cities with the Least Sustainable Credit Card Debt

Overall Rank*  City Median Credit Card Debt  Cost to Pay Off  Payoff Time (Income Adjusted) 
1 Miami, FL $2,247 $1,607 89 months and 19 days
2 Hialeah, FL $1,911 $1,259 83 months and 12 days
3 Knoxville, TN $2,298 $1,431 79 months and 10 days
4 Gulfport, MS $2,018 $1,160 73 months and 28 days
5 Missoula, MT $2,242 $1,277 73 months and 9 days
6 Dallas, TX $2,458 $1,382 72 months and 14 days
7 San Antonio, TX $2,298 $1,271 71 months and 11 days
8 El Paso, TX $2,146 $1,172 70 months and 18 days
9 Tucson, AZ $2,119 $1,131 69 months and 5 days
10 Reno, NV $2,520 $1,340 68 months and 28 days
11 Cape Coral, FL $2,363 $1,235 67 months and 27 days
12 Juneau, AK $3,342 $1,746 67 months and 26 days
13 Chesapeake, VA $2,919 $1,506 67 months and 1 day
14 New Orleans, LA $2,513 $1,289 66 months and 21 days
15 Norfolk, VA $2,332 $1,191 66 months and 14 days
16 Virginia Beach, VA $2,806 $1,425 66 months and 3 days
17 Springfield, MO $1,918 $964 65 months and 15 days
18 Nashville, TN $2,480 $1,243 65 months and 9 days
19 Austin, TX $2,848 $1,406 64 months and 14 days
20 Las Cruces, NM $1,973 $964 63 months and 26 days
21 Tallahassee, FL $2,185 $1,065 63 months and 22 days
22 Santa Ana, CA $1,796 $872 63 months and 16 days
23 Lubbock, TX $2,221 $1,078 63 months and 13 days
24 New York, NY $2,942 $1,423 63 months and 8 days
25 Charleston, SC $2,751 $1,314 62 months and 16 days
26 Anchorage, AK $3,088 $1,473 62 months and 15 days
27 Birmingham, AL $2,022 $958 62 months and 3 days
28 Corpus Christi, TX $2,224 $1,047 61 months and 22 days
29 Pembroke Pines, FL $2,596 $1,217 61 months and 15 days
30 Colorado Springs, CO $2,500 $1,163 61 months and 1 day
31 Spokane, WA $2,249 $1,045 61 months
32 St. Petersburg, FL $2,370 $1,097 60 months and 25 days
33 Jacksonville, FL $2,243 $1,037 60 months and 23 days
34 Port St. Lucie, FL $2,112 $972 60 months and 14 days
35 Fayetteville, NC $1,945 $894 60 months and 12 days
36 Tulsa, OK $2,145 $981 60 months and 4 days
37 Brownsville, TX $1,606 $732 59 months and 29 days
38 Fort Lauderdale, FL $2,511 $1,144 59 months and 28 days
39 Amarillo, TX $2,139 $973 59 months and 26 days
40 Little Rock, AR $2,262 $1,028 59 months and 25 days
41 Rapid City, SD $2,105 $933 58 months and 13 days
42 Augusta, GA $1,847 $807 57 months and 21 days
43 Houston, TX $2,160 $939 57 months and 12 days
44 Laredo, TX $1,742 $744 56 months and 15 days
45 Oceanside, CA $2,414 $1,031 56 months and 14 days
46 Aurora, CO $2,216 $946 56 months and 14 days
47 Shreveport, LA $1,933 $822 56 months and 6 days
48 Ontario, CA $1,965 $829 55 months and 26 days
49 Huntington, WV $1,846 $778 55 months and 25 days
50 Sioux Falls, SD $2,159 $910 55 months and 24 days
51 Salt Lake City, UT $2,263 $945 55 months and 9 days
52 Henderson, NV $2,653 $1,107 55 months and 9 days
53 North Las Vegas, NV $1,950 $814 55 months and 8 days
54 Nampa, ID $1,747 $723 54 months and 27 days
55 Chattanooga, TN $2,012 $829 54 months and 19 days
56 Denver, CO $2,668 $1,098 54 months and 17 days
57 Scottsdale, AZ $3,441 $1,416 54 months and 17 days
58 Fort Smith, AR $1,739 $715 54 months and 16 days
59 Montgomery, AL $1,968 $807 54 months and 13 days
60 Los Angeles, CA $2,153 $878 54 months and 4 days
61 Las Vegas, NV $2,075 $845 54 months and 2 days
62 Chula Vista, CA $2,530 $1,026 53 months and 27 days
63 Raleigh, NC $2,413 $977 53 months and 24 days
64 Casper, WY $2,331 $941 53 months and 20 days
65 Atlanta, GA $2,823 $1,137 53 months and 16 days
66 Cheyenne, WY $2,355 $942 53 months and 5 days
67 Richmond, VA $2,126 $850 53 months and 4 days
68 Winston-Salem, NC $1,931 $768 52 months and 28 days
69 Orlando, FL $1,966 $781 52 months and 25 days
70 Greensboro, NC $1,965 $779 52 months and 23 days
71 Columbia, SC $2,077 $823 52 months and 22 days
72 Charlotte, NC $2,336 $923 52 months and 17 days
73 Fort Worth, TX $2,221 $876 52 months and 14 days
74 Tampa, FL $2,218 $873 52 months and 12 days
75 Peoria, AZ $2,442 $960 52 months and 10 days
76 Phoenix, AZ $2,022 $791 52 months and 3 days
77 St. Louis, MO $2,129 $829 51 months and 27 days
78 Boise, ID $2,237 $869 51 months and 23 days
79 Mobile, AL $1,900 $737 51 months and 22 days
80 Columbus, GA $1,899 $736 51 months and 20 days
81 Wichita, KS $2,040 $786 51 months and 12 days
82 Fargo, ND $2,114 $815 51 months and 12 days
83 Billings, MT $2,111 $812 51 months and 9 days
84 Kansas City, MO $2,147 $825 51 months and 7 days
85 Wilmington, DE $2,181 $836 51 months and 4 days
86 Mesa, AZ $2,029 $775 50 months and 30 days
87 Salem, OR $1,954 $746 50 months and 29 days
88 Oxnard, CA $1,838 $699 50 months and 22 days
89 Memphis, TN $1,758 $665 50 months and 14 days
90 Grand Prairie, TX $2,014 $761 50 months and 14 days
91 Glendale, AZ $1,903 $719 50 months and 13 days
92 Baton Rouge, LA $1,966 $737 50 months and 2 days
93 Oklahoma City, OK $2,002 $750 50 months and 1 day
94 Grand Rapids, MI $1,850 $689 49 months and 24 days
95 Vancouver, WA $2,212 $823 49 months and 23 days
96 Santa Rosa, CA $2,320 $863 49 months and 22 days
97 Aurora, IL $2,064 $767 49 months and 20 days
98 Gilbert, AZ $2,821 $1,046 49 months and 18 days
99 Rochester, NY $1,880 $697 49 months and 17 days
100 Moreno Valley, CA $1,842 $681 49 months and 14 days
101 Arlington, TX $2,018 $744 49 months and 10 days
102 Riverside, CA $1,978 $728 49 months and 6 days
103 Albuquerque, NM $2,011 $738 49 months and 3 days
104 Long Beach, CA $2,186 $799 48 months and 28 days
105 Jackson, MS $1,569 $570 48 months and 18 days
106 Garland, TX $1,773 $638 48 months and 7 days
107 Cincinnati, OH $2,021 $727 48 months and 6 days
108 Fort Wayne, IN $1,843 $663 48 months and 5 days
109 San Bernardino, CA $1,583 $563 47 months and 21 days
110 Durham, NC $2,180 $774 47 months and 19 days
111 Irving, TX $1,933 $687 47 months and 19 days
112 Santa Clarita, CA $3,020 $1,071 47 months and 17 days
113 Overland Park, KS $2,844 $1,008 47 months and 17 days
114 Akron, OH $1,678 $591 47 months and 8 days
115 Anaheim, CA $1,918 $674 47 months and 4 days
116 Bismarck, ND $2,265 $794 47 months and 2 days
117 Omaha, NE $2,089 $732 47 months
118 Honolulu, HI $2,152 $750 46 months and 24 days
119 Lincoln, NE $1,974 $686 46 months and 20 days
120 Fontana, CA $1,932 $668 46 months and 13 days
121 West Valley City, UT $1,654 $571 46 months and 10 days
122 Chandler, AZ $2,515 $867 46 months and 10 days
123 Dover, DE $1,818 $623 46 months and 2 days
124 Portland, OR $2,363 $807 45 months and 29 days
125 Tacoma, WA $2,191 $748 45 months and 28 days
126 Fresno, CA $1,810 $616 45 months and 23 days
127 Burlington, VT $1,908 $647 45 months and 19 days
128 Rutland, VT $1,769 $599 45 months and 16 days
129 Newport News, VA $1,831 $617 45 months and 10 days
130 Lexington-Fayette, KY $1,998 $672 45 months and 8 days
131 Portland, ME $2,133 $717 45 months and 7 days
132 Plano, TX $2,739 $919 45 months and 5 days
133 San Diego, CA $2,433 $816 45 months and 4 days
134 Louisville, KY $1,924 $644 45 months and 1 day
135 St. Paul, MN $1,990 $664 44 months and 30 days
136 Indianapolis, IN $1,818 $606 44 months and 27 days
137 Toledo, OH $1,683 $560 44 months and 26 days
138 Pearl City, HI $2,282 $757 44 months and 21 days
139 Huntsville, AL $2,070 $682 44 months and 12 days
140 Tempe, AZ $1,902 $626 44 months and 11 days
141 Stockton, CA $1,765 $579 44 months and 7 days
142 Buffalo, NY $1,732 $568 44 months and 7 days
143 Cleveland, OH $1,598 $524 44 months and 7 days
144 Pittsburgh, PA $2,057 $670 43 months and 30 days
145 Charleston, WV $1,888 $614 43 months and 27 days
146 Manchester, NH $1,921 $610 42 months and 27 days
147 Baltimore, MD $2,020 $628 42 months and 1 day
148 Providence, RI $1,731 $538 42 months and 1 day
149 Glendale, CA $2,337 $724 41 months and 28 days
150 Chicago, IL $2,144 $664 41 months and 28 days
151 Boston, MA $2,486 $766 41 months and 21 days
152 Columbus, OH $1,816 $559 41 months and 20 days
153 Bakersfield, CA $1,896 $578 41 months and 7 days
154 Modesto, CA $1,976 $595 40 months and 25 days
155 Huntington Beach, CA $2,751 $825 40 months and 19 days
156 Milwaukee, WI $1,617 $481 40 months and 11 days
157 Des Moines, IA $1,671 $494 40 months and 3 days
158 Cedar Rapids, IA $1,831 $531 39 months and 11 days
159 Nashua, NH $2,104 $610 39 months and 10 days
160 Minneapolis, MN $2,059 $590 38 months and 29 days
161 Warwick, RI $2,149 $616 38 months and 29 days
162 Detroit, MI $1,330 $380 38 months and 27 days
163 Rancho Cucamonga, CA $2,326 $665 38 months and 26 days
164 Lewiston, ME $1,473 $418 38 months and 18 days
165 Bridgeport, CT $1,591 $451 38 months and 16 days
166 Newark, NJ $1,408 $398 38 months and 13 days
167 Sacramento, CA $1,897 $528 37 months and 27 days
168 Garden Grove, CA $1,592 $440 37 months and 19 days
169 Washington, DC $2,788 $766 37 months and 12 days
170 Oakland, CA $2,204 $596 36 months and 26 days
171 Worcester, MA $1,735 $467 36 months and 21 days
172 Yonkers, NY $2,008 $535 36 months and 10 days
173 Philadelphia, PA $1,659 $441 36 months and 6 days
174 Seattle, WA $2,657 $685 35 months and 5 days
175 New Haven, CT $1,577 $383 33 months and 7 days
176 Columbia, MD $2,525 $608 32 months and 30 days
177 Madison, WI $1,727 $408 32 months and 11 days
178 San Jose, CA $2,095 $445 29 months and 6 days
179 Jersey City, NJ $1,794 $354 27 months and 6 days
180 Irvine, CA $2,407 $455 26 months and 1 day
181 San Francisco, CA $2,315 $426 25 months and 12 days
182 Fremont, CA $1,954 $277 19 months and 17 days

Note: *No. 1 = Least Sustainable Credit Card Debt

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