It is the holiday season and almost the end of 2018. This is also a time of the year when Americans stack up debt. Washington, D.C. tops the 4% of cities with the most credit card debt.

The personal-finance website WalletHub released its Q3 2018 Credit Card Debt Study, which found that consumers racked up $16 billion in credit card debt from June through September, sending outstanding debt to an all-time record level in the third quarter of a year. As a result, another Federal Reserve rate hike – which has a 70% chance of happening on Dec. 19 – would now cost credit card users an extra $1.56 Billion in interest.

The debt picture is worrisome nationwide, but some areas have bigger payment problems than others according to WalletHub’s report on the Cities with the Most & Least Credit Card Debt entering 2019. WalletHub’s researchers drew upon data from TransUnion, the Federal Reserve, the U.S. Census Bureau and WalletHub’s proprietary credit card payoff calculator to determine the cost and time required to repay the median credit card balance in more than 2,500 U.S. cities.

Below, you can find a handful of highlights from these reports.

Credit Card Debt in Washington (99^th Percentile = Least Sustainable)

• 85^th Percentile – Median Credit-Card Balance ($3,242)
• 8^th Percentile – Median Income ($67,321)
• 92^nd Percentile – Cost of Interest Until Payoff ($353)
• 96^th Percentile – Expected Payoff Timeframe (17 months and 5 days)

At a national level…

• WalletHub projects that we will end 2018 with $70 billion more in credit card debt than we started with.
• We began the year owing more than $1 trillion in credit card debt for the first time ever.
• The best balance transfer credit cards currently offer 0% APRs for the first 15-21 months with no annual fee and balance transfer fees as low as zero. Such deals likely will not be around for too much longer.

To see where your city ranks and get more details, view the full report.