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
Sharp Coronado Hospital Holds Meet-and-Greet With NASCAR San Diego Weekend
San Diego, CA
County Leaders Still Eyeing County-Backed Tax Hike
County leaders are keeping their options open for a future county-backed tax hike as a citizens coalition pushes a November sales tax measure.
Officials in late April quietly extended a contract with consultants tasked with researching and poll-testing potential county revenue options for a Board of Supervisors subcommittee led by Chair Terra Lawson-Remer and Vice Chair Monica Montgomery Steppe. The extension is for up to two years and the price tag remains up to $320,000.
Other county supervisors’ offices told Voice of San Diego they weren’t notified of the change – and one is now working on a policy proposal to force public updates on subcommittee-directed contracts.
County spokesperson Tammy Glenn said staff directed the contract extension “in consultation with the subcommittee” and based on prior board approval last September to create the Sustainable Fiscal Planning Subcommittee. The item allowed the subcommittee to hire and pay consultants up to $500,000 to explore multiple options to increase county revenues and taxes.
An initial January 2026 contract called for Chula Vista-based Ironwood Public Affairs and four subcontractors including a prominent local Democratic campaign consultant to survey county residents, prepare revenue estimates for potential tax hike options, conduct focus groups and outreach and submit a report by May 1.
On April 30, county staff amended the contract with Ironwood to “deliver any requested ballot measure language, report, and presentations no later than June 30, 2028.”
Five days later, a coalition that includes labor groups and advocates submitted signatures to the county registrar’s office for a proposed countywide sales tax hike projected to raise $360 million annually to fund healthcare, child care, solutions to the Tijuana River sewage crisis and public safety. The registrar’s office has since confirmed the measure qualified for the November ballot.
Lawson-Remer has rallied behind the sales tax proposal and argued that a “local revenue measure” could shield the county from Trump administration-backed cuts. The county has projected that the One Big Beautiful Bill Act could cost the county $300 million annually.
In a statement, Lawson-Remer’s office noted that a board majority voted last September to create the subcommittee and hire a consultant.
“With the Trump Administration threatening healthcare, food assistance, behavioral health, and other core services — and federal decisions being announced, reversed, paused, challenged, and revived in real time — the county and Fiscal Subcommittee has a responsibility to plan for multiple scenarios, including federal cuts, state shortfalls, taxpayer savings, state advocacy, and whether any local funding option does or does not materialize,” Lawson-Remer’s office wrote.
In a separate statement, Montgomery Steppe also pointed to board approval of the subcommittee and its work “evaluating fiscal risks and options to help inform future Board decisions.”
A few months after the September vote to approve the subcommittee, the county hired Ironwood Public Affairs led by former county staffer Victor Aviña. Aviña’s company subcontracted with prominent Democratic campaign consultant Dan Rottenstreich’s company Amplify Campaigns, polling firm FM3 Research, Los Angeles revenue forecasting firm Economic & Planning Systems and Los Angeles-based law firm Kaufman Legal Group.
Glenn said the county has thus far paid Ironwood $96,000 for planning tasks that the initial contract said should be completed by early this year.
The county has yet to provide documents to Voice that the contractor submitted to the county about its work a month after a public-records request.
Spokespeople for the county’s three other elected supervisors said this week they weren’t notified about the changes to the contract.
Supervisors Joel Anderson and Jim Desmond, the two Republicans on the board, have criticized the lack of transparency surrounding the subcommittees and consultants at least two of them have hired.
At an April board meeting, Desmond argued that subcommittees shouldn’t be allowed to spend county money or secure contracts without a review by the full board.
And Anderson has pushed for reforms to increase transparency for subcommittees that have met behind closed doors. The board on Thursday unanimously approved changes to make more of those meetings more public.
Anderson’s office said he is now working on a board proposal that, among other changes, would also require updates to the full board on work that outside consultants are doing for subcommittees. He expects to bring the proposal to the board in August.
“There’s no possibility of secrecy when a vendor/contractor reports to the entire board,” Anderson wrote in a statement.
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San Diego, CA
Streetsblog San Diego Launches July 27 — Help Us Build the Future of Transportation Journalism – Streetsblog California
For years, Streetsblog readers in Southern California have asked us the same question: “When are you coming to San Diego?”
Friends…we’re excited to announce that we have an answer: Streetsblog San Diego will officially launch on July 27. Excited? Consider making a donation to help us lift off…
The new site will cover transportation, housing, climate, public space, safe streets, transit, and active transportation issues across San Diego County, and some of its neighbors. From bike lane projects and transit expansions to housing near transit and climate policy, Streetsblog San Diego will provide the kind of accountability journalism and solutions-focused reporting that has made Streetsblog a trusted voice across California.
What’s especially exciting about this launch is how it is coming together. You may have noticed over the last couple of months, increased local coverage in San Diego (collated here) as we’ve been getting ready for the launch.
We’ve been able to do that because Streetsblog San Diego is being built as a collaboration between leaders and volunteers from Streetsblog California, Bike SD, Ride SD, San Diego 350, and other community organizations and advocates who share a vision for safer, more sustainable transportation and land-use policies. At launch, much of our content will be produced by a growing team of volunteers and freelance contributors who care deeply about the future of San Diego’s streets, transit systems, and neighborhoods.
This community-powered model allows us to begin covering a region that desperately needs more transportation journalism while we work to build a sustainable long-term funding base.
But that’s where we need your help.
Launching a new newsroom takes resources. We launched a pre-fundraiser for “friends and family” of the core group that has been working on making Streetsblog SD a reality, and raised enough funding to cover the fees associated with the launch of the website, and put aside a couple hundred dollars towards our next goal: raising $18,000 for a freelance fund and short video fund that will ensure regular written and video coverage.
Even with volunteer writers and editors donating countless hours, there are still costs for freelance reporting, editing, website maintenance, photography, public records requests, event coverage, video production, and the many other expenses that go into producing quality journalism. There’s a lot of ways you can donate, if you’re interested in helping, you can get started here. If you’re one of those donors who gives through a DAF, the non profit that publishes Streetsblog is called the Southern California Streets Initiative and our EIN is 27-3421838. We are a federally recognized 501c(3) non-profit.
Your donation today will help us:
- Pay local freelance reporters, photographers, and videographers
- Expand coverage across San Diego County
- Cover transit, housing, and climate issues that often go underreported
- Train and support volunteer contributors
- Build Streetsblog San Diego into a permanent part of the region’s media landscape
In the long run, we will be seeking funds for a part-time or full-time editor. Every donation, no matter how large or small, will help us attract major donors, foundations, and advertisers so Streetsblog SD will be staffed similarly to the ones in Los Angeles and the Bay Area.
The challenges facing San Diego are too important to ignore. The region is making critical decisions about transit investments, housing production, street safety, climate resilience, and public space. Residents deserve independent journalism that explains those decisions, holds decision-makers accountable, and highlights solutions that can improve people’s daily lives.
That’s what Streetsblog has done for two decades and what will do in San Diego
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