Comprehensive Local Credit Card Guide

Credit Cards in 40228 (Louisville, KY)

Credit Card Debt in 40228

^ Average credit card debt in 40228 is approximately $4,436, based on overall Kentucky data. ^[1]

Credit Card Delinquency in 40228

^ Based on overall Kentucky data, the credit card delinquency rate in Louisville is approximately 0.7%. ^[2]

Credit Scores in 40228

^ The average credit score in Louisville is approximately 688, based on collective Kentucky data. ^[3]

Credit Card & Personal Finance Statistics in 40228

Credit Card Debt in 40228

40228 Credit Card Debt
- The estimated average credit card debt for 40228 residents is $4,436. ^[1]
- Average credit card debt amount in Kentucky (all cities) is 11% less than the national average of $4,965.
- Collectively, Kentucky cities rank 45th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 40228

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40228 Credit Scores

Credit Scores in 40228
- Residents of 40228 (KY) have an estimated average credit score of 688. ^[3]
- The average credit score in Kentucky (all cities) is 1.15% less than the national average score of 696.
- Kentucky collectively ranks 38th in the U.S. in average credit score of residents. ^[3]

More 40228 (Louisville, KY) Credit Stats

Credit card delinquency rates in Kentucky ^[2]
- Kentucky residents (all cities) rank 7th in the U.S. with a rate that is 23% greater than the national average of 0.57%.

Cardholders in 40228 who are more than 90 days late on payments
- Kentucky Rate: 0.7%
- National Average: 0.57%

Statute of limitations for credit card debt in 40228 ^[4]
- 40228 (Kentucky) Law: 15 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 40228 (Louisville, KY)

Recent credit card complaints originating from consumers in 40228, KY. 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 40228

Complaint Issue	Number of Complaints*
Improper use of your report	46
Incorrect information on your report	42
Problem with a credit reporting company's investigation	29
Attempts to collect debt not owed	7
Problem with a company's investigation into an existing problem	5
Other	6

* Total 2021 - 2024 (current)

Additional information about Kentucky

About 40228

40228 is associated with the city of Louisville, which is located in Jefferson County in the state of Kentucky. ^[6]

40228 Credit Cards

For more information about 40228 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The first few numbers (even the very first number) of a credit card can reveal a lot. For example, Visa credit cards begin with a 4.

Other ZIP Codes in Kentucky

Cities in KY

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Kentucky State Legislature

5. ^ Consumer financial complaints in 40228

6. ^ United States Census Bureau