With many individuals weighing the option of opening a new credit card to increase their spending power this holiday season, the personal-finance company WalletHub recently released its latest report on the States With the Most Credit Cards, highlighting areas where people may be more vulnerable to overspending or missing payments.

New Hampshire Stats

Overall Rank: 1^st
Average Credit Cards Opened in Q3 2025: 1.37
Average Credit Cards Owned in Q3 2025: 5.57
% Change in Average New Credit Cards Opened (Q3 2025 vs. Q3 2024): 16.88%
% Change in Average Credit Cards Owned (Q3 2025 vs. Q3 2024): 3.12%

For the full report, please visit:
https://wallethub.com/edu/states-with-the-most-credit-cards/131548/

"Having multiple credit cards in your wallet can be good for your credit score as long as you spend responsibly, keep your credit utilization low and always pay on time. For example, you can use different credit cards for different purposes, such as separating charges you want to finance from everyday purchases. But if you regularly miss payments or spend beyond your means, you may have too many credit cards."
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"New Hampshire ranks first in our study, and its residents opened an average of 1.4 cards during Q3 2025, more than people in any other state. New Hampshirites also opened 16.9% more new credit cards in Q3 2025 than they did in Q3 2024. In comparison, residents in only three states saw a year-over-year decrease. In addition, the average New Hampshirite owns 5.6 credit cards."

- Chip Lupo, WalletHub Analyst