The San Francisco research firm puts average Hawaii credit card debt at $8,456, up less than $300 from November but down about $700 from December 2009.
It's part of a national trend. Credit Karma says U.S. credit card debt went down 9% in 2010.
Hawaii's average credit score is 674, ninth best of the 50 states.
Average Hawaii mortgage debt, reflecting local home prices, is $303,000, second highest in the nation, after California.