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Comprehensive Local Credit Card Guide

Credit Cards in 55121 (Saint Paul, MN)

Credit Card Debt in 55121

^ Average credit card debt in 55121 is approximately $4,541, based on overall Minnesota data. [1]

Credit Card Delinquency in 55121

^ Based on overall Minnesota data, the credit card delinquency rate in Saint Paul is approximately 0.37%. [2]

Credit Scores in 55121

^ The average credit score in Saint Paul is approximately 720, based on collective Minnesota data. [3]

MN Credit Cards

Credit Card & Personal Finance Statistics in 55121

Credit Card Debt in 55121

  • 55121 Credit Card Debt
    • The estimated average credit card debt for 55121 residents is $4,541. [1]
    • Average credit card debt amount in Minnesota (all cities) is 9% less than the national average of $4,965.
    • Collectively, Minnesota cities rank 43rd in the U.S. in average credit card debt. [1]

Credit Card Calculator for 55121

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55121 Credit Scores

  • Credit Scores in 55121
    • Residents of 55121 (MN) have an estimated average credit score of 720. [3]
    • The average credit score in Minnesota (all cities) is 3.45% greater than the national average score of 696.
    • Minnesota collectively ranks 3rd in the U.S. in average credit score of residents. [3]

More 55121 (Saint Paul, MN) Credit Stats

  • Credit card delinquency rates in Minnesota [2]
    • Minnesota residents (all cities) rank 48th in the U.S. with a rate that is 35% less than the national average of 0.57%.
  • Cardholders in 55121 who are more than 90 days late on payments
    • Minnesota Rate: 0.37%
    • National Average: 0.57%
  • Statute of limitations for credit card debt in 55121 [4]
    • 55121 (Minnesota) Law: 6 years
    • U.S. State Average: 5.4 years

Credit Card Complaints in or near 55121 (Saint Paul, MN)

Recent credit card complaints originating from consumers in 55121, MN. 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 55121

Complaint Issue Number of Complaints*
Incorrect information on your report 8
Improper use of your report 4
Problem with fraud alerts or security freezes 3
False statements or representation 1
Fraud or scam 1
Other 1
* Total 2021 - 2024 (current)

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Additional information about Minnesota

About 55121

55121 is associated with the city of Saint Paul, which is located in Dakota County in the state of Minnesota. [6]

MN Credit Cards

55121 Credit Cards

For more information about 55121 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 Minnesota


Cities in MN


1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Minnesota State Legislature

5. ^ Consumer financial complaints in 55121

6. ^ United States Census Bureau