Comprehensive Local Credit Card Guide

Credit Cards in 36105 (Montgomery, AL)

Credit Card Debt in 36105

^ Average credit card debt in 36105 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 36105

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

Credit Scores in 36105

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

Credit Card & Personal Finance Statistics in 36105

Credit Card Debt in 36105

36105 Credit Card Debt
- The estimated average credit card debt for 36105 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 36105

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36105 Credit Scores

Credit Scores in 36105
- Residents of 36105 (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 36105 (Montgomery, 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 36105 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 36105 ^[4]
- 36105 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 36105 (Montgomery, AL)

Recent credit card complaints originating from consumers in 36105, 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 36105

Complaint Issue	Number of Complaints*
Incorrect information on your report	96
Improper use of your report	72
Problem with a credit reporting company's investigation	27
Written notification about debt	8
Problem with a company's investigation into an existing problem	7
Other	20

* Total 2021 - 2024 (current)

Additional information about Alabama

About 36105

36105 is associated with the city of Montgomery, which is located in Montgomery County in the state of Alabama. ^[6]

36105 Credit Cards

For more information about 36105 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

A lot can be learned by looking at the first digits of a credit card. For example, MasterCards all begin with numbers between 51 and 55.

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 36105

6. ^ United States Census Bureau