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Comprehensive Local Credit Card Guide

Gilroy Credit Cards

Credit Card Debt in Gilroy

^ Average credit card debt in Gilroy is approximately $4,937, based on overall California data. [1]

Credit Card Delinquency in Gilroy

^ Based on overall CA data, the credit card delinquency rate in Gilroy is approximately 0.5%. [2]

Credit Scores in Gilroy

^ The average credit score in Gilroy is approximately 701, based on collective California data. [3]

CA Credit Cards

Gilroy, CA Credit Card & Personal Finance Statistics

Gilroy Credit Card Debt


  • Credit Card Debt in Gilroy
    • The estimated average credit card debt for Gilroy residents is $4,937. [1]
    • Average credit card debt amount in California (all cities) is 1% less than the national average of $4,965.
    • Collectively, California cities rank 21st in the U.S. in average credit card debt. [1]

Gilroy Credit Card Calculator


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Gilroy Credit Scores


  • Credit Scores in Gilroy
    • Residents of Gilroy, CA have an estimated average credit score of 701. [3]
    • The average credit score in California (all cities) is 0.72% greater than the national average score of 696.
    • California collectively ranks 27th in the U.S. in average credit score of residents. [3]

More Gilroy, CA Credit Stats

  • Credit card delinquency rates in California [2]
    • California residents (all cities) rank 34th in the U.S. with a rate that is 12% less than the national average of 0.57%.
  • Gilroy cardholders that are more than 90 days late on payments
    • California Rate: 0.5%
    • National Average: 0.57%
  • Statute of limitations for credit card debt in Gilroy [4]
    • Gilroy (California) Law: 4 years
    • U.S. State Average: 5.4 years

Credit Card Complaints in or near Gilroy, CA

Recent credit card complaints originating from consumers in 95020, CA. 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]


Date Complaint FiledZIP of ComplaintType of ComplaintCompanyStatus of ComplaintTimely response?Consumer disputed?
Oct 11, 2016
95020
APR or interest rate
BANK OF AMERICA, NATIONAL ASSOCIATION
Closed with explanation
Yes
No
Feb 14, 2014
95020
Unsolicited issuance of credit card
JPMORGAN CHASE & CO.
Closed with explanation
Yes
Yes
Jun 25, 2013
95020
Billing disputes
BANK OF AMERICA, NATIONAL ASSOCIATION
Closed with monetary relief
Yes
Yes
Jul 16, 2013
95020
Credit line increase/decrease
CAPITAL ONE FINANCIAL CORPORATION
Closed with explanation
Yes
Yes
Aug 11, 2014
95020
Billing disputes
Continental Finance Company, LLC
Closed with explanation
Yes
No
Jul 8, 2016
95020
Other
JPMORGAN CHASE & CO.
Closed with explanation
Yes
No

Local Financial Institutions in Gilroy

Banks in or near Gilroy, CA

Local banks offering credit and financial products to residents of the community.

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Our search for banks located in Gilroy produced no matches.

ATMs in or near Gilroy, CA

Local Automated Teller Machines (ATMs) for use by residents of the community.


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Credit Unions in or near Gilroy, CA

Local credit unions offering financial products to residents of the community.


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Gilroy, CA Household Income Statistics

Income: Gilroy vs. California

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Gilroy, CA Income Breakdown

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Income: Gilroy vs. Nation

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Additional information about California

About Gilroy

Gilroy is a city located in Santa Clara County in the state of California, and has a population of approximately 48,821. [6]

CA Credit Cards

Gilroy Credit Cards

For more information about Gilroy 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.

Additional Cities in CA

ZIP Codes in California


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References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ California State Legislature

5. ^ Consumer Financial Protection Bureau

6. ^ United States Census Bureau