Many american who hoped to fund their dream of to win the $1.537 billion Mega Millions jackpot by purchase a 6-number lottery ticket with their credit card had to pay through cash instead.

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And that consists of the unidentified newly minted mega-millionaire from south Carolina who hosted the single winning ticket in this week"s drawing.

The reason: buying lottery tickets utilizing plastic – the go-to form of payment for most Americans – is banned by about two dozen U.S. States, according to an evaluation from CreditCards.com. 

The rules and laws pertaining come lotteries are determined at the state level. And 23 says plus Washington, D.C., forbid the use of credit transaction cards, states Ted Rossman, sector analyst in ~ CreditCards.com. 

Adding come the confusion, he says, is that 10 claims – including Indiana, Maine and new York – leave the decision up to the retail outlets or shop that market lottery ticket to millionaire hopefuls.


The main reason some says prohibit lottery football player from using their credit cards is they are afraid some people could acquire themselves into financial trouble by gambling ~ above the lottery v money they may not have, Rossman explains.

Lawmakers in these says are do the efforts to minimization the risk that Americans to run up credit card debt and paying exorbitant interest rates if they carry a balance at the finish of the month. The bans are also a means to minimize the variety of people that build gambling addictions.


"States don"t desire consumers come rack up credit transaction card debt buying lottery tickets, specifically when the odds of win the Mega Millions jackpot is slim come none," says Kimberly Palmer, credit card skilled at NerdWallet, a personal finance site. "In California, lotto tickets have actually a disclaimer in ~ the height that says, "Remember, save it fun. Play responsibly," i beg your pardon is something the all consumers need to keep optimal of mind."


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Playing the lottery is a angry for numerous Americans, with the most frequent players and also biggest spenders comes from U.S. Households in the lowest income brackets, a Bankrate.com inspection found. Twenty-eight percent of U.S. Households with annual incomes listed below $30,000 beat the lottery at the very least once a week, versus simply 18 percent of American family members that earn $75,000 or more.

Financially strapped households, the Bankrate survey found, spend $412 every year, ~ above average, on lottery ticket – practically four time the amount the the highest-earning family members admit to spending.

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An American through low income and a low credit transaction score could pay as lot as 25 percent in interest on a credit card, says Rossman. And also if that person carried that $412 lottery ticket balance because that a full year, the or she would certainly pay much more than $100 in interest. 

"Unless you are someone that provides an occasional acquisition of lottery tickets with a credit card the you pay turn off at the end month, it"s a poor idea to pay for her lottery tickets through plastic," claims Rossman.

Here"s a list of claims that CreditCards.com says execute not permit credit map purchases of individual lottery tickets, either because of laws in ar or claims that don"t have in-state lotteries:

AlabamaAlaskaArkansasColoradoConnecticutFloridaGeorgiaHawaiiIowaMarylandMassachusettsMinnesotaMississippiMontanaNevada.New HampshireNew JerseyNew MexicoNorth CarolinaNorth DakotaOklahomaSouth CarolinaTennesseeTexasUtahVirginiaWashington, D.C.West VirginiaWisconsinWyoming

SOURCE CreditCards.com data thru December 2017