Americans are increasingly telling businesses, “Charge it,” even when they should know better, according to a WalletHub report.

The personal finance website assessed the financial aptitude of U.S. citizens and ranked states with the best and worst financial literacy.

Among the questions studied was whether U.S. consumers have learned from past mistakes when it comes to accumulating debt.

The asnwer?

"Not enough, it would seem," the report said. "We ended 2018 with $67 billion in new credit-card debt. That’s unsurprising, considering that only two in five adults actually have a budget. Total American credit card debt passed $1 trillion for the first time ever in 2018, so it’s clear that better financial education is necessary to try to turn this trend around."

Some states’ residents know how to use their credit cards more responsibly than others, according to WalletHub.

To determine which states had the best financial literacy, WalletHub used 17 metrics ranging from high-school financial literacy grades to share of adults with rainy-day funds.

Here, in ascending order, are WalletHub’s top 10 most financially literate states:

10.  New York

New York’s largest city is known as the financial capitol of the world for good reason. New York ranked 12th for how residents scored on "WalletLiteracy" test on the topic of personal finances, and 18th in financial planning and habits, and financial knowledge and education.