The early months of the COVID-19 pandemic saw many consumers paying off credit card balances at a record pace and applying for credit less often. However, with high inflation over the past two years, Americans’ need for credit cards has rebounded—and dramatically raised the risk of credit card fraud, though some locations experience more incidents than others. Referencing the newest FTC data, researchers ranked metros and states by their per capita rates of credit card fraud reports in 2022.

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