Two-thirds of Arizonans don't bother to comparison shop when looking at credit cards, which can saddle consumers with higher-than-necessary fees, interest rates and ultimately higher borrowing costs, according to a new report.

Arizona residents were only slightly worse than the rest of the nation, with 64 percent of state residents surveyed in 2012 saying they did not shop for credit cards, compared with 61 percent nationally.

It shows that America's financial literacy remains low and people need help to manage their personal finances, said the Financial Capability report released by the Financial Industry Regulatory Authority, a private nonprofit group.