Comprehensive Local Credit Card Guide

Credit Cards in 32404 (Panama City, FL)

Credit Card Debt in 32404

^ Average credit card debt in 32404 is approximately $4,861, based on overall Florida data. ^[1]

Credit Card Delinquency in 32404

^ Based on overall Florida data, the credit card delinquency rate in Panama City is approximately 0.68%. ^[2]

Credit Scores in 32404

^ The average credit score in Panama City is approximately 683, based on collective Florida data. ^[3]

Credit Card & Personal Finance Statistics in 32404

Credit Card Debt in 32404

32404 Credit Card Debt
- The estimated average credit card debt for 32404 residents is $4,861. ^[1]
- Average credit card debt amount in Florida (all cities) is 2% less than the national average of $4,965.
- Collectively, Florida cities rank 23rd in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 32404

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32404 Credit Scores

Credit Scores in 32404
- Residents of 32404 (FL) have an estimated average credit score of 683. ^[3]
- The average credit score in Florida (all cities) is 1.87% less than the national average score of 696.
- Florida collectively ranks 41st in the U.S. in average credit score of residents. ^[3]

More 32404 (Panama City, FL) Credit Stats

Credit card delinquency rates in Florida ^[2]
- Florida residents (all cities) rank 10th in the U.S. with a rate that is 19% greater than the national average of 0.57%.

Cardholders in 32404 who are more than 90 days late on payments
- Florida Rate: 0.68%
- National Average: 0.57%

Statute of limitations for credit card debt in 32404 ^[4]
- 32404 (Florida) Law: 5 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 32404 (Panama City, FL)

Recent credit card complaints originating from consumers in 32404, FL. 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 32404

Complaint Issue	Number of Complaints*
Incorrect information on your report	268
Improper use of your report	196
Problem with a credit reporting company's investigation	100
Problem with a company's investigation into an existing problem	43
Unable to get your credit report or credit score	28
Other	80

* Total 2021 - 2024 (current)

Additional information about Florida

About 32404

32404 is associated with the city of Panama City, which is located in Bay County in the state of Florida. ^[6]

32404 Credit Cards

For more information about 32404 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 Florida

Cities in FL

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Florida State Legislature

5. ^ Consumer financial complaints in 32404

6. ^ United States Census Bureau