Tennessee No. 2 in credit card debt

The good news is that Tennesseans owe a little less on their credit cards. But that's about the only good news according to TransUnion's quarterly analysis of credit card trends.

Tennesseans carry the second-largest credit card debt load in the country — an average of $6,823. But that's down from $7,029 that TransUnion reported in November. Only Alaskans carry more card debt ($7,328). The lowest average credit card debt was found in Iowa ($4,139), followed by North Dakota ($4,318) and West Virginia ($4,448).

The report looks at the ratio of bankcard borrowers who are 90 days or more delinquent on one or more of their credit cards. Nationwide, the rate increased to 1.21 percent in the fourth quarter of 2009, up from 1.1 percent in the previous quarter.

In Tennessee, the delinquency rate was 1.24 percent. Nevada came in first for credit card delinquency with 2 percent, followed by Florida at 1.75 percent and Arizona at 1.52 percent.