AUSTIN – As the saying goes, "Everything is bigger in Texas," and according to a new study, that includes credit card debt.

According to CreditCards.com, Texas claims three of the five cities with the highest credit card burdens.

The study compared the average credit card debt and the median income in the 25 largest metro areas in the U.S. The highest debt burdens happen when credit card balances are relatively high and earnings are only average or lower.

In the study, San Antonio came in first. Creditcards.com found that if a card holder dedicated at least 15% of their gross monthly income to pay credit card debt, the typical San Antonio resident could pay it off in 22 months and pay $911 in interest.

Miami/Fort Lauderdale came in second, followed by Houston, Los Angeles and Dallas.

Creditcards.com calculated payoff times and interest charges using the average credit card debt per bank cardholder and the median income per resident with earnings in each of the largest cities in the U.S.