 TITLE: High Debt and Cost of Living Haven’t Hurt Hawaii’s Credit Scores CONTENT: Hawaii's High Credit Limits Contribute to Top Scores\n----------------------------------------------------\nAnother major factor in a good credit score is the ability to maintain a low credit utilization ratio. Credit utilization is a comparison of a consumer's total outstanding credit debt with their total credit limit, expressed as a percentage. Consumers in Hawaii have the highest average credit limit in the U.S. at $52,936, according to Experian data from Q2 2019. That's more than $15,000 above the national average of $37,524.\nWhen a consumer has a high total credit limit, it's easier to carry higher credit card balances and still maintain a low credit utilization ratio. In Hawaii, this is appears to be the case, as consumers in the state carry the eighth-highest credit card balances, but still have stellar credit scores. END