Comprehensive Local Credit Card Guide

Credit Cards in 35208 (Birmingham, AL)

Credit Card Debt in 35208

^ Average credit card debt in 35208 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 35208

^ Based on overall Alabama data, the credit card delinquency rate in Birmingham is approximately 0.77%. ^[2]

Credit Scores in 35208

^ The average credit score in Birmingham is approximately 675, based on collective Alabama data. ^[3]

Credit Card & Personal Finance Statistics in 35208

Credit Card Debt in 35208

35208 Credit Card Debt
- The estimated average credit card debt for 35208 residents is $4,817. ^[1]
- Average credit card debt amount in Alabama (all cities) is 3% less than the national average of $4,965.
- Collectively, Alabama cities rank 27th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 35208

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35208 Credit Scores

Credit Scores in 35208
- Residents of 35208 (AL) have an estimated average credit score of 675. ^[3]
- The average credit score in Alabama (all cities) is 3.02% less than the national average score of 696.
- Alabama collectively ranks 46th in the U.S. in average credit score of residents. ^[3]

More 35208 (Birmingham, AL) Credit Stats

Credit card delinquency rates in Alabama ^[2]
- Alabama residents (all cities) rank 2nd in the U.S. with a rate that is 35% greater than the national average of 0.57%.

Cardholders in 35208 who are more than 90 days late on payments
- Alabama Rate: 0.77%
- National Average: 0.57%

Statute of limitations for credit card debt in 35208 ^[4]
- 35208 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 35208 (Birmingham, AL)

Recent credit card complaints originating from consumers in 35208, AL. Local consumers submitted these credit card complaints to the Consumer Financial Protection Bureau (CFPB). The date of the complaint, type of complaint and status of the inquiry are listed below.^[5]

Consumer Complaints by Issue in 35208

Complaint Issue	Number of Complaints*
Incorrect information on your report	187
Improper use of your report	92
Problem with a company's investigation into an existing problem	36
Problem with a credit reporting company's investigation	32
Attempts to collect debt not owed	15
Other	27

* Total 2021 - 2024 (current)

Additional information about Alabama

About 35208

35208 is associated with the city of Birmingham, which is located in Jefferson County in the state of Alabama. ^[6]

35208 Credit Cards

For more information about 35208 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The credit card hologram was first introduced by MasterCard in 1983 in an effort to combat counterfeit and fraudulent activity.

Other ZIP Codes in Alabama

Cities in AL

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Alabama State Legislature

5. ^ Consumer financial complaints in 35208

6. ^ United States Census Bureau