Comprehensive Local Credit Card Guide

Credit Cards in 36123 (Montgomery, AL)

Credit Card Debt in 36123

^ Average credit card debt in 36123 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 36123

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

Credit Scores in 36123

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

Credit Card & Personal Finance Statistics in 36123

Credit Card Debt in 36123

36123 Credit Card Debt
- The estimated average credit card debt for 36123 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 36123

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36123 Credit Scores

Credit Scores in 36123
- Residents of 36123 (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 36123 (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 36123 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 36123 ^[4]
- 36123 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 36123 (Montgomery, AL)

Recent credit card complaints originating from consumers in 36123, 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 36123

Complaint Issue	Number of Complaints*
Written notification about debt	12
Incorrect information on your report	9
Attempts to collect debt not owed	8
Problem with a company's investigation into an existing problem	3
Problem with a credit reporting company's investigation	2
Other	3

* Total 2021 - 2024 (current)

Additional information about Alabama

About 36123

36123 is associated with the city of Montgomery, which is located in Montgomery County in the state of Alabama. ^[6]

36123 Credit Cards

For more information about 36123 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The first few numbers (even the very first number) of a credit card can reveal a lot. For example, Visa credit cards begin with a 4.

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 36123

6. ^ United States Census Bureau