(NEXSTAR) – Americans are falling behind on their credit card payments at a level not seen in more than a decade amid high interest rates and persistent inflation, but some cities have far higher average debts than others, a study found.

Four of the five cities with the highest average household credit card debt are located in California, a study by finance site WalletHub found.

Using data from the Census Bureau, TransUnion and the Federal Reserve, the study's authors looked at inflation-adjusted household debt in the country's largest 181 cities found Santa Clarita, California to have the highest average household credit card debt ($21,836), followed by Chula Vista, CA ($20,920), New York, NY ($19,207), Fontana, CA ($18,843) and Rancho Cucamonga, CA ($18,549).

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