It takes longer for people in some states to pay off their credit card debts than it takes for people in others. Texas is one of the states where people carry the highest balances on their cards, but it's not among the worst when it comes to payoff time. The length of time it takes a person to pay off his or her credit card debt is sometimes called the credit card burden.
According to an analyst from CreditCards.com, the question comes down to income and debt rather than debt level alone. The states with the highest credit card burden levels included New Mexico and Louisiana. Based on the average income in New Mexico, $46,744, and the average household credit card debt there, $8,323, it would take almost a year and a half to pay off the credit cards. In Louisiana, it would take 17 months for the average household to pay off credit card debt.