San Diego, CA
Credit card debt is soaring, especially in this San Diego-area city
(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. One of those cities is located in San Diego County.
According to this data, Chula Vista has an average household credit card debt of $20,920, with total credit card debt adding up to $1,737,924,020.
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).
Rank* | City | Household Credit Card Debt | Total Credit Card Debt |
---|---|---|---|
1 | Santa Clarita, CA | $21,836 | $1,601,940,835 |
2 | Chula Vista, CA | $20,920 | $1,737,924,020 |
3 | New York, NY | $19,207 | $63,051,659,994 |
4 | Fontana, CA | $18,843 | $1,052,484,026 |
5 | Rancho Cucamonga, CA | $18,549 | $1,067,576,023 |
6 | Pearl City, HI | $18,525 | $277,629,365 |
7 | Riverside, CA | $18,094 | $1,638,261,858 |
8 | Oxnard, CA | $18,068 | $923,256,732 |
9 | Chesapeake, VA | $17,993 | $1,644,029,202 |
10 | Pembroke Pines, FL | $17,896 | $1,124,017,882 |
11 | Moreno Valley, CA | $17,847 | $962,997,139 |
12 | Scottsdale, AZ | $17,502 | $2,027,197,821 |
13 | Santa Ana, CA | $17,500 | $1,357,153,414 |
14 | Plano, TX | $17,410 | $1,870,634,960 |
15 | Gilbert, AZ | $17,305 | $1,562,646,307 |
16 | Glendale, CA | $17,304 | $1,264,996,463 |
17 | Henderson, NV | $17,013 | $2,120,265,216 |
18 | Virginia Beach, VA | $16,947 | $3,031,986,253 |
19 | Los Angeles, CA | $16,873 | $23,612,096,710 |
20 | Huntington Beach, CA | $16,767 | $1,301,835,881 |
For the full ranking of the 181 largest cities, see the WalletHub study.
“Some of the cities where households owe the most credit card debt, like Santa Clarita and Chula Vista, CA, have high median incomes, high debt payoff rates and low delinquency rates; this indicates that residents may simply have high credit card limits and can afford to borrow more,” according to Cassandra Happe, WalletHub analyst. “Other cities, like New York, have high average credit card debts driven more by financial struggles, which we can see in the number of people who are in financial distress or who are delinquent on their debt.”
What’s behind the debt?
For many American families, it’s likely a combination of factors.
With the Federal Reserve raising its key interest rate to fight nagging inflation, the interest rate on new credit cards has also jumped higher. As of Thursday, the average APR was 24.80%, according to LendingTree.
Tavares said that the number of bills that have become delinquent is now higher than it was before the pandemic, adding that renters appear to be especially vulnerable.
“Younger and less affluent people are experiencing challenges,” Silvio Tavares, CEO of VantageScore, a credit score modeling and analytics company, told the Associated Press. “And high interest rates are having an effect.”
Along with high interest rates and inflation driving up the cost of everyday goods, Americans can no longer rely on some of the pandemic-era stimulus instruments, such as payments, the child tax credit and increased unemployment benefits that boosted household finances.
While not every person with a rolling credit card debt is delinquent, many Americans are increasingly at-risk of not making payments, according to Bruce McClary, senior vice president at the National Foundation for Credit Counseling.
There’s likely a large group of consumers paying minimum balances and staying out of delinquency for now but who are too financially stressed to pay their balances in full, McClary said. A worsening of the economy could push those consumers into severe delinquency.
For those people working to get out of debt, McClary recommends calling credit card companies to negotiate interest rates, fees and long-term payment plans.
“The best thing to do is to reach out, give an honest assessment of your ability to pay over time, and ask what options are available to you both ‘on and off-the-menu,’” McClary said. This kind of phrasing can give creditors an opening to offer more flexibility, he said.
The Associated Press contributed to this report.
San Diego, CA
Nat Martinez makes SDSU history in win over Utah State
Freshman guard Nat Martinez had career highs of 22 points, nine rebounds and seven assists Saturday afternoon to lead San Diego State (3-4, 14-6) to a 85-66 Mountain West win at Utah State (0-6, 1-16).
Martinez, who hit her first five 3-point attempts, became the first Aztec in the Mountain West era to have at least six 3-pointers, nine rebounds and seven assists in the same game. Martinez has already earned Mountain West Freshman of the Week honors three times this season.
Point guard Veronica Sheffey had season-highs of 19 points and seven assists. Forward Kim Villalobos had 13 points and eight rebounds, and freshman guard Naomi Panganiban had 12 points. The Aztecs shot 60% (12-for-20) from 3-point range.
San Diego, CA
Chicago and San Diego brace for fight With Trump border czar – The Boston Globe
What San Diego and Chicago also have in common are leaders who have vowed to defy Homan by protecting undocumented migrants from deportation. The San Diego County Board of Supervisors voted last month to become what one member called a “super sanctuary” community. In Chicago, Mayor Brandon Johnson has been reiterating in recent weeks that local law enforcement is prohibited from cooperating with federal immigration officials.
“San Diego better get the hell out of the way. We’re coming,” Homan, told a Republican group this month in Texas. “The Chicago mayor,” Homan continued, “said I am not welcome in Chicago. Well, guess where I am going to be on a day one?”
Trump’s team is planning a big immigration raid in the city starting Tuesday and continuing all week, the Wall Street Journal reported, citing people familiar with the planning.
While experts questioned whether the plans — dubbed Operation Safeguard, according to the New York Times — would differ dramatically from previous major actions by US Immigration and Customs Enforcement, the signaling right after Trump’s inauguration would be unmistakable.
The Chicago-based National Immigrant Justice Center is advising migrants to consult with an immigration attorney, memorize family phone numbers, establish an emergency contact with their children’s schools and keep all necessary documentation in a secure place.
US Representative Chuy Garcia, an Illinois Democrat, is working with churches and community groups to help immigrants understand their rights if ICE agents come calling.
“There are good reasons to expect that Chicago would be the primary target,” Garcia said. “We can expect ICE, under new leadership starting on Monday, to be targeting high visibility locations, whether it’s factories or possibly larger restaurants.”
While a flurry of executive orders on immigration and the border is expected when Trump takes office Monday, logistical details of the deportation operations have remained shrouded. Homan has signaled he’ll initially focus on deporting violent criminals, a view largely shared by Democratic leaders such as Illinois Governor JB Pritzker.
But Pritzker warned of the negative impact, including on the economy, of Homan’s gung-ho attitude.
“He seems like a blowhard to me, and I know that he’s going to go do things that really do affect people’s lives in a terribly negative way,” Pritzker said in an interview Jan. 14. “He thinks that he’s carrying out something that’s good for the country. But it’s not.”
Trump has threatened to withhold federal funding unless cities and states comply with the administration’s wishes. In Chicago, Mayor Johnson has fired back by vowing to defend his city’s immigrant community.
“I promise you we will not bend or break,” Johnson said after the November election. “Our values will remain strong and firm.”
Other cities are dealing with similar challenges while taking different approaches to the change of administration. New York Mayor Eric Adams, who was indicted on federal corruption charges in September, met with Trump on Friday as an adviser emphasized City Hall’s willingness to work with the new president.
In San Diego, by contrast, the board of supervisors last month approved a policy to bar county agencies from working with federal immigration authorities trying to carry about mass deportations.
“We should be deporting felons, not farm workers,” said Terra Lawson-Remer, one of three Democrats who voted for the measure. “We are very concerned about the specter of mass deportations that will make our communities fundamentally less safe.”
Jim Desmond, a Republican supervisor in San Diego County and the lone dissenter in the vote on the super sanctuary proposal, predicted the measure would have little impact. The county sheriff, Kelly Martinez, downplayed the new policies and said her office will continue to follow California state law.
California Attorney General Rob Bonta underlined that state law already limits when and how local authorities can work with federal immigration agents.
“Here in California we are not going to spend our time, money and resources going backward,” Bonta said at a briefing Friday. “You can be sure that as California’s attorney general, if Trump attacks the rights of our immigrants I will be there. If Trump breaks the law, we will see him in court and hold him accountable.”
It remains to be seen exactly how the threats from Homan and vows of protection from local authorities will play out in the coming weeks and months. It’s also unclear which groups of immigrants the new administration will prioritize for deportation. And federal officials face limits in staffing, money and temporary detention space.
But cities are girding for a showdown amid the uncertainty of how Trump’s crackdown will play out. Restaurants from Texas to Colorado are grappling with the uncertainty around potential deportations.
In Denver, Mayor Mike Johnston has said he’s willing to go to jail in order protect migrants in his community. Homan said he’s willing to put him there if Johnston blocks ICE agents from doing their jobs.
“Look, me and the Denver mayor, we agree on one thing — he’s willing to go to jail, I’m willing to put him in jail because there’s a statute,” Homan said in an interview with Fox News in late November. “And what it says is it’s a felony if you knowingly harbor and conceal an illegal alien from immigration authorities. It’s also a felony to impede a federal law enforcement officer.”
With assistance from Miranda Davis, Daniela Sirtori and Kate Seaman.
San Diego, CA
San Diego State Aztecs vs. UNLV Rebels live stream, TV channel, start time, odds | January 18, 2025
The San Diego State Aztecs (11-4, 4-2 MWC) are home in MWC play versus the UNLV Rebels (10-7, 4-2 MWC) on Saturday, January 18, 2025 at 8:00 PM ET.
San Diego State beat Colorado State 75-60 at home last time out, and were led by Miles Byrd (25 PTS, 7 STL, 53.33 FG%, 5-9 from 3PT) and BJ Davis (12 PTS, 33.33 FG%, 2-6 from 3PT).
UNLV beat Utah State 65-62 at home in its most recent game. Its top scorers were Jalen Hill (15 PTS, 8 REB, 77.78 FG%) and Julian Rishwain (13 PTS, 2 STL, 36.36 FG%, 4-10 from 3PT).
Here’s what you need to prepare for Saturday’s college hoops action.
Check out: USA TODAY Sports Coaches Poll
Watch college basketball on Fubo!
San Diego State Aztecs vs. UNLV Rebels
- Game day: Saturday, January 18, 2025
- Game time: 8:00 PM ET
- TV: CBS Sports Network
- Live stream: Fubo (Regional restrictions may apply)
- Live stream: Paramount+ – Watch Now!
NCAA Basketball Odds and Betting Lines
- Spread: San Diego State -10.5
- Total: 131.5
College basketball odds courtesy of BetMGM Sportsbook. Odds updated Saturday at 3:59 AM ET. For a full list of sports betting odds, access USA TODAY Sports Betting Scores Odds Hub.
Watch college basketball on Fubo!
Follow the latest college sports coverage at College Sports Wire.
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