Effingham County residents are among the most responsible in the state when it comes to credit card use. That’s according to a study done by SmartAssett.com, which is a financial analysis and support company. The study ranked Effingham County 9th in Illinois among counties with the least amount of credit card debt. Effingham County had a credit card debt index of 94.2, which is based on the ratio of credit card debt to per capita income for every county. Additionally, the county’s credit card debt as percent of income was 7.2%. In comparison the lowest ranked county’s had a debt as percent of income percentage in double figures, with some higher than 14%.