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Can I apply for a U.S. tourist visa if I have a balance on my credit card?

It should not be possible. Maybe you can’t even apply for a debit card, which is a domestic debit card. Because banks will not open an account for you, many American banks require at least a letter of proof of address to open a bank account, which is to prove that you are a permanent resident of this place. The requirements for credit cards are even higher. If you open a credit card with a tourist visa and return to your country after spending money, the bank will not be able to receive the money. It is impossible for them not to be aware of this risk.