Riverside ranks in the top one-third of US cities where consumers are most diligent with their credit cards.

WalletHub used six metrics in its comparison of 100 cities:

• Percentage of Customers who have collections tradelines
• Percentage of frozen credit reports
• Percentage of customers who have missed payments
• Percentage of customers who have active bankruptcies
• Percentage of customers who have foreclosures
• Percentage of customers who have filed a dispute

Fremont, CA, is the city where people are the most diligent with credit, boasting the lowest percentage of people who missed payments.

San Francisco and San Jose rank among the top-ten. At the bottom of the list are Memphis, Birmingham, Alabama and Detroit.

Story Date: December 4, 2025