Comprehensive Local Credit Card Guide

Credit Cards in 35221 (Birmingham, AL)

Credit Card Debt in 35221

^ Average credit card debt in 35221 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 35221

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

Credit Scores in 35221

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

Credit Card & Personal Finance Statistics in 35221

Credit Card Debt in 35221

35221 Credit Card Debt
- The estimated average credit card debt for 35221 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 35221

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35221 Credit Scores

Credit Scores in 35221
- Residents of 35221 (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 35221 (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 35221 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 35221 ^[4]
- 35221 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 35221 (Birmingham, AL)

Recent credit card complaints originating from consumers in 35221, 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 35221

Complaint Issue	Number of Complaints*
Incorrect information on your report	43
Problem with a company's investigation into an existing problem	42
Improper use of your report	30
Problem with a credit reporting company's investigation	14
Attempts to collect debt not owed	3
Other	5

* Total 2021 - 2024 (current)

Additional information about Alabama

About 35221

35221 is associated with the city of Birmingham, which is located in Jefferson County in the state of Alabama. ^[6]

35221 Credit Cards

For more information about 35221 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

Paying with plastic? American Express was the first company with an actual plastic credit card - the first being introduced in 1958.

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 35221

6. ^ United States Census Bureau