The highest credit card debt cities in Tennessee:
1. Nashville - $6,168
2. Knoxville - $6,012
3. Clarksville - $5,807
4. Murfreesboro - $5,605
5. Chattanooga - $5,596
6. Cleveland - $5,541
7. Memphis - $5,312
8. Johnson City - $ 5,322
9. Jackson - $5,250
10. Kingsport - $4,882
Sources: CardHub analyzed data from TransUnion, the Federal Reserve, the U.S. Census Bureau and CardHub's proprietary credit card payoff calculator in 2,547 U.S. cities. With the average income of Chattanoogans, it will take the typical Chattanoogan 56 months to pay off. Beverly Hills, Calif., has the highest average credit-card debt at $13,583, which is five times greater than in Clarkston, Ga., the city with the lowest, with an average credit card of $2,705.