Kentucky has the highest average credit card balance of any state, coming in at $10,181.08. Mississippi ranks number 2 with an average credit card balance of $9,821.80. The lowest state is Pennsylvania with an average credit card balance of $2,508.55, but Virginia is not far behind with $2,586.28.

BillShrink has posted a graphic showing these and other fascinating facts about credit cards. They take a look at the Credit Card Accountability, Responsibility and Disclosure Act, or CARD Act, and tell you what it means for you.

Most adults carry credit cards, but many are still not sure what the new CARD Act does to protect them — and what it does not do. Many carry high balances on more than one card and have relied on credit during the recession, driving the balances even higher. Those who have missed payments and damaged their credit during the hard times will find it even harder to pay back the money owed, as people with bad credit are charged significantly higher interest rates. Here is a visual look at the credit card situation in America, which when paired with the poor economy and high unemployment rate, has arguably reached the crisis level.

Demystifying Credit Cards and Consumer Debt