Comprehensive Local Credit Card Guide

Credit Cards in 35215 (Birmingham, AL)

Credit Card Debt in 35215

^ Average credit card debt in 35215 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 35215

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

Credit Scores in 35215

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

Credit Card & Personal Finance Statistics in 35215

Credit Card Debt in 35215

35215 Credit Card Debt
- The estimated average credit card debt for 35215 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 35215

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35215 Credit Scores

Credit Scores in 35215
- Residents of 35215 (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 35215 (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 35215 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 35215 ^[4]
- 35215 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 35215 (Birmingham, AL)

Recent credit card complaints originating from consumers in 35215, 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 35215

Complaint Issue	Number of Complaints*
Incorrect information on your report	1263
Improper use of your report	1167
Problem with a company's investigation into an existing problem	484
Problem with a credit reporting company's investigation	258
Attempts to collect debt not owed	97
Other	166

* Total 2021 - 2024 (current)

Additional information about Alabama

About 35215

35215 is associated with the city of Birmingham, which is located in Jefferson County in the state of Alabama. ^[6]

35215 Credit Cards

For more information about 35215 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

Iowa residents had the lowest average credit card debt in the nation in 2013, at $3,885 per cardholder.

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 35215

6. ^ United States Census Bureau