Comprehensive Local Credit Card Guide

Credit Cards in 85054 (Phoenix, AZ)

Credit Card Debt in 85054

^ Average credit card debt in 85054 is approximately $5,011, based on overall Arizona data. ^[1]

Credit Card Delinquency in 85054

^ Based on overall Arizona data, the credit card delinquency rate in Phoenix is approximately 0.56%. ^[2]

Credit Scores in 85054

^ The average credit score in Phoenix is approximately 691, based on collective Arizona data. ^[3]

Credit Card & Personal Finance Statistics in 85054

Credit Card Debt in 85054

85054 Credit Card Debt
- The estimated average credit card debt for 85054 residents is $5,011. ^[1]
- Average credit card debt amount in Arizona (all cities) is 1% greater than the national average of $4,965.
- Collectively, Arizona cities rank 19th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 85054

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85054 Credit Scores

Credit Scores in 85054
- Residents of 85054 (AZ) have an estimated average credit score of 691. ^[3]
- The average credit score in Arizona (all cities) is 0.72% less than the national average score of 696.
- Arizona collectively ranks 35th in the U.S. in average credit score of residents. ^[3]

More 85054 (Phoenix, AZ) Credit Stats

Credit card delinquency rates in Arizona ^[2]
- Arizona residents (all cities) rank 24th in the U.S. with a rate that is 2% less than the national average of 0.57%.

Cardholders in 85054 who are more than 90 days late on payments
- Arizona Rate: 0.56%
- National Average: 0.57%

Statute of limitations for credit card debt in 85054 ^[4]
- 85054 (Arizona) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 85054 (Phoenix, AZ)

Recent credit card complaints originating from consumers in 85054, AZ. 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 85054

Complaint Issue	Number of Complaints*
Incorrect information on your report	65
Improper use of your report	17
Problem with a company's investigation into an existing problem	15
Problem with a credit reporting company's investigation	14
Problem with a purchase shown on your statement	13
Other	28

* Total 2021 - 2024 (current)

Additional information about Arizona

About 85054

85054 is associated with the city of Phoenix, which is located in Maricopa County in the state of Arizona. ^[6]

85054 Credit Cards

For more information about 85054 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 Arizona

Cities in AZ

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Arizona State Legislature

5. ^ Consumer financial complaints in 85054

6. ^ United States Census Bureau