This study aims to investigate the determinants of credit card debt among middle-class households in Andhra Pradesh and Telangana, focusing on household relations, income of people, education level, financial literacy, urbanization and access to banking services. A quantitative study was conducted using a questionnaire designed to collect data from 355 respondents selected by simple sampling. Confirmatory factor analysis (CFA) was used to analyze this study's measurement model. Structural Equation Modelling (SEM) was used to examine the variables’ relationships and measure their direct and indirect effects on credit cards. It is significantly related to credit card debt. Financial literacy also positively impacts credit card debt, indicating that financially literate people are more likely to use credit cards. However, having a degree does not have a positive impact on credit card debt. Access to banking services is positively associated with credit card debt, suggesting that better access promotes credit card use. The model showed a good overall fit, and the fit index supports the validity of social needs. female gender. Policymakers and financial institutions should consider these factors when devising interventions to reduce credit card debt among middle-class families.