Houston is No. 13 in a recent study about credit card debt. Photo courtesy of Local Government Federal Credit Union

Many Houstonians are taking it to the limit — the credit limit, that is. A study published by LendingTree's CompareCards website finds that Houston ranks Houston ranks 13th nationally for the share of cardholders with at least one maxed-out card (28.4 percent). Ten percent have maxed out two or more cards.

Experian says the average credit card debt in the Houston metro area was $7,205 in the second quarter of this year, up 3.1 percent versus the same time in 2018. Houston ranks 11th for the highest level of credit card debt among major metro areas.

For its study, CompareCards analyzed an anonymized sample of credit reports from 1.3 million My LendingTree users with active credit cards. In the Alamo City, 29.2 percent of credit card holders have maxed out at least one card, meaning the balance is at least equal to the credit limit, according to CompareCards. Eleven percent have two or more maxed-out cards.

A report released November 4 by Experian, one of the major credit bureaus, shows the average credit card debt in the San Antonio metro area stood at $7,210 in the second quarter of this year, up 2.6 percent from the same period in 2018. That put it in 10th place for the highest amount of credit card debt among major metro areas.

Elsewhere in Texas, San Antonio ranks seventh with maxed-out debt. "The biggest reason for San Antonio appearing near the top of the list is probably income," says Matt Schulz, chief industry analyst at CompareCards. In 2018, the median household income in the San Antonio metro area was $57,379, compared with $60,629 in Texas and $61,937 in the U.S.

Meanwhile, Dallas lands at No. 43 (25.2 percent) and Austin at No. 66 (23.6 percent) on CompareCards' list of places for where cardholders have maxed out at least one credit card. The study indicates 8.7 percent of cardholders in Dallas and 7.6 percent in Austin have maxed out two or more cards.

Cardholders in Dallas-Fort Worth had average credit card debt of $7,291 in the second quarter of this year, up 1.8 percent from the same period in 2018, Experian says. DFW ranked eighth for the highest amount of debt among major metro areas.

In Austin, the average credit card debt in the second quarter of this year was $7,329, up 1.9 percent versus the year-ago period, according to Experian. That was the sixth highest amount among major metro areas.

Schulz points out that lower-income consumers tend to have credit cards with relatively low credit limits, making it easier for them to max out their cards.

At the top of the heap for maxed-out cardholders is Bridgeport, Connecticut, where 32.3 percent of consumers have maxed out at least one card, CompareCards says. In addition, 10.4 percent have maxed out two or more cards. Not surprisingly, cardholders in the Bridgeport metro area carried the highest average credit card debt in the U.S. during the second quarter of this year ($8,679), according to Experian.

The place with the lowest share of maxed-out cardholders is Provo, Utah, according to the CompareCards study. There, 17.9 percent of cardholders have maxed out at least one card, and 6.1 percent have two or more maxed-out cards.

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This article originally ran on CultureMap.

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New Houston-born app OpenToBites connects users over meals in 16 cities

Friends and Food

A Houston-born social is connecting foodies and social butterflies for shared meals. OpenToBites launched on Android on June 18 and iOS on June 22, and is available to use for free in Houston and beyond.

Founded and operated by Houston developer Kelvin John, OpenToBites allows users to connect over meals in 16 cosmopolitan cities. That includes Austin and Houston in Texas, plus other American cities like Denver and New York, and even international destinations including Paris, Tokyo, and Sydney.

The app is built on a simple concept, and a press release emphasizes that it's for anyone who wants "friendly company."

“We built OpenToBites in response to several trends, including the rise of solo travel and the demand for social experiences that don’t feel like dating, networking, or large organized events,” said a spokesperson in the release. “We are not a dating app. We are offering shared food and conversation for people who want simple, in-person meal company in a public setting.”

When signing up, users provide their first name, an optional profile photo, and a short bio. They mark themselves as a traveler, a local, or both, and have the option to select their age range or opt out.

Once a profile is created, the user can search for existing meals or create a meal happening within the next 72 hours. To find an existing meal to join as a guest, they select the city, date, and apply filters for the number of seats, type of cuisine, and whether they want to share food with the table or order their own.

Since someone has to get the party started, users can also take the initiative to start a meal as a host. They'll choose the date, time, and restaurant — anything is on the menu, as long as they can link to the restaurant on Google Maps or its own website.

This divides users into "host" and "guest." Guests request to join a table, and a host can decide to accept the request or not. Guests aren't able to see the exact restaurant until their request is accepted, so hosts have a "helpful note" field to fill out with more information about the restaurant.

A similar app called Timeleft launched in Austin in 2024, acting as a friendship matchmaker for small groups of strangers who answer personality questions, meet at a restaurant for dinner, and decide if they wanted to stay in touch.

Though OpenToBites has a similar concept, it seems to work more like Couchsurfing, an app that connects travelers on their own terms. OpenToBites also emphasizes the immediate over the long-term — the meal itself is the social goal.

OpenToBites is available for free on the App Store and Play Store; the app plans to grow each current city's user base before adding new locations.

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This article originally appeared on CultureMap.com.

Houston mental health nonprofit expands platform statewide to connect more Texans with care

access granted

As mental health conversations evolve, the necessary pivot becomes how organizations across Texas navigate improved ways to help people access the care they need before their challenges become crises.

That’s why Mental Health America of Greater Houston recently announced that it is expanding its Care Connect platform statewide.

The expansion will address perhaps the most persistent barrier to behavioral healthcare—helping people find and navigate services that already exist.

Care Connect’s extended reach comes at a time when more than 3.5 million adults in the state live with some kind of mental health condition and scores of those in need continue to struggle with accessing care despite the growing awareness of mental health needs.

According to President and CEO Renae Vania Tomczak, Care Connect’s main goal was to remove as many obstacles as possible that Texans face when seeking mental health support.

“Care Connect was about a two-year planning process,” Tomczak says. “It really began with asking what challenges people in the Greater Houston Area were facing regarding mental health. It’s not just accessing care, but the difficulty in navigating the mental healthcare system.”

While provider shortages remain a challenge in some communities, Mental Health America of Greater Houston found that many individuals and families struggle simply to determine where to turn, how to identify the right provider and whether services are affordable.

“We wanted to make it easier for people who have questions, who may never have had a mental health challenge before, or they’re a caregiver for somebody who has a mental health issue,” Tomczak says. “We wanted to be the place that people can come to get their questions answered and be connected to care.”

Care Connect combines a vetted network of more than 1,000 providers and services across Texas with personalized navigation support.

Searches generate care results based on insurance coverage, language preferences, ZIP code and clinical specialties.

Additionally, one-on-one guidance and follow-up support are provided by bilingual resource specialists.

The platform also seeks to address affordability, one of the most significant barriers to mental healthcare access. Through participating providers, eligible individuals can receive six to eight counseling sessions at no cost.

“We have several providers who are willing to provide six to eight counseling sessions at no cost for people who do not have the means to pay for services themselves,” Tomczak says.

When provider matches are unavailable, the organization can connect individuals with master’s-level mental health professionals working under the supervision of licensed clinicians.

The statewide rollout builds on the platform’s early success in the Houston region, where it has helped thousands of individuals connect with mental health resources since launching last fall.

According to Tomczak, the decision to expand was driven in part by growing demand from outside the organization’s traditional service area.

“Last month we decided to take this program statewide,” she says. “It’s not just Houston that can use help in connecting to appropriate mental health services, but the whole state.”

The Care Connect program’s promotion through healthcare providers, community organizations and public-sector partners across Texas is now one of Mental Health America of Greater Houston’s top priorities.

Their goal is to create a stronger referral ecosystem that ultimately helps those who need access to mental health care more quickly.

To facilitate that, the organization has also added free mental health screenings to its website so that users will better identify any symptoms related to anxiety, depression and other conditions.

“Once they do that, then where do they go?” Tomczak says. “They’re not sure who to call and who can help them. At that point, we hope they’ll call us and talk to somebody live who can answer their questions and help them get started on the right path to improving their mental health.”

With eyes on the future, Tomczak believes public understanding of mental health has improved in recent years, particularly following the COVID-19 pandemic, which brought new attention to the effects of stress, isolation and uncertainty.

“The more we talk about it and have the opportunity to share that mental health conditions are traceable, the better,” she says.

According to Tomczak, long-term, Care Connect aims to reduce roadblocks that exist between recognizing the need for help and receiving it.

Ultimately, Care Connect hopes to create a robustly connected behavioral health system that gives Texans the ability to access mental health services swiftly and with confidence.

“No one should have to navigate mental health challenges alone,” Tomczak adds. “Care Connect is here to help connect people with resources, services and answers to ensure they get the care they need to take the next step toward better mental health.”