Doug spoke with Wallethub.com writer Chip Lugo about two studies: 1 shows Des Moin es has the lowest change in credit card payment delinquency rates in the US. Another, which Doug challenged, says that Iowa has the 3rd highest energy costs in the country. Part of this is because the Wallethub study uses Home Heating Oil cost as a significant factor. In Iowa, though, only 0.4% of all home heating is done through home heating oil.