Comprehensive Local Credit Card Guide

Credit Cards in 36869 (Phenix City, AL)

Credit Card Debt in 36869

^ Average credit card debt in 36869 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 36869

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

Credit Scores in 36869

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

Credit Card & Personal Finance Statistics in 36869

Credit Card Debt in 36869

36869 Credit Card Debt
- The estimated average credit card debt for 36869 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 36869

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36869 Credit Scores

Credit Scores in 36869
- Residents of 36869 (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 36869 (Phenix City, 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 36869 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 36869 ^[4]
- 36869 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 36869 (Phenix City, AL)

Recent credit card complaints originating from consumers in 36869, 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 36869

Complaint Issue	Number of Complaints*
Improper use of your report	115
Incorrect information on your report	105
Problem with a credit reporting company's investigation	98
Closing an account	17
Problem with a company's investigation into an existing problem	14
Other	71

* Total 2021 - 2024 (current)

Additional information about Alabama

About 36869

36869 is associated with the city of Phenix City, which is located in Russell County in the state of Alabama. ^[6]

36869 Credit Cards

For more information about 36869 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 Protection Bureau

6. ^ United States Census Bureau