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Credit card spending has experienced a renaissance, and in some cities, residents will have a hard time paying their debts back, MarketWatch reports.

Using data from the U.S. Census Bureau American Community Survey, CreditCards.com , and Experian State of Credit 2014, MarketWatch compiled a list of all the cities studied based on its citizen’s ability to pay off their credit card debts.

San Francisco, Boston, Washington D.C., Minneapolis, and New York are the top five cities when it comes to ability to pay debts off. The bottom five are Houston, Miami, Atlanta, Dallas, and San Antonio.

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