The information provided does not allow us to determine which state has over half of the borrowers with credit utilization rates under 30.
To determine which state nationally has over half of the borrowers with credit utilization rates under 30, we need to look at the credit card usage and outstanding debts in each state. According to the given information, in May 2016, Americans had about $943 billion outstanding in credit card debts, and in 2014, 56% of consumers carried an unpaid balance in the last 12 months. These numbers give us an idea of the credit usage in the country.
However, the given references and information do not provide specific data for each state, therefore, we cannot determine which state has over half of the borrowers with credit utilization rates under 30 based on the provided information.