Comprehensive Local Credit Card Guide

Credit Cards in 36203 (Oxford, AL)

Credit Card Debt in 36203

^ Average credit card debt in 36203 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 36203

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

Credit Scores in 36203

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

Credit Card & Personal Finance Statistics in 36203

Credit Card Debt in 36203

36203 Credit Card Debt
- The estimated average credit card debt for 36203 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 36203

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36203 Credit Scores

Credit Scores in 36203
- Residents of 36203 (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 36203 (Oxford, 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 36203 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 36203 ^[4]
- 36203 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 36203 (Oxford, AL)

Recent credit card complaints originating from consumers in 36203, 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 36203

Complaint Issue	Number of Complaints*
Incorrect information on your report	56
Improper use of your report	47
Problem with a credit reporting company's investigation	36
Problem with a company's investigation into an existing problem	20
Written notification about debt	3
Other	5

* Total 2021 - 2024 (current)

Additional information about Alabama

About 36203

36203 is associated with the city of Oxford, which is located in Calhoun County in the state of Alabama. ^[6]

36203 Credit Cards

For more information about 36203 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The first few numbers of a credit card can reveal a lot. For example, American Express credit cards begin with 34 or 37.

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 36203

6. ^ United States Census Bureau