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7. Boston

City averages:
Credit Score: 779
Debt: $24,360
Number of Late Payments: 0.30
% Credit Available: 73.15
Number of Open Credit Cards: 2.13

Boston has fallen one spot from last year's list. It has a lower percentage of available credit than most of the cities on this list, and the highest number of open credit cards of all of them. However, the city has a median family income of $96,500, well above the national average of $64,200.

Linh H. Nguyen Photography | Flickr | Getty Images