Comprehensive Local Credit Card Guide

Credit Cards in 07304 (Jersey City, NJ)

Credit Card Debt in 07304

^ Average credit card debt in 07304 is approximately $5,484, based on overall New Jersey data. ^[1]

Credit Card Delinquency in 07304

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

Credit Scores in 07304

^ The average credit score in Jersey City is approximately 708, based on collective New Jersey data. ^[3]

Credit Card & Personal Finance Statistics in 07304

Credit Card Debt in 07304

07304 Credit Card Debt
- The estimated average credit card debt for 07304 residents is $5,484. ^[1]
- Average credit card debt amount in New Jersey (all cities) is 10% greater than the national average of $4,965.
- Collectively, New Jersey cities rank 6th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 07304

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07304 Credit Scores

Credit Scores in 07304
- Residents of 07304 (NJ) have an estimated average credit score of 708. ^[3]
- The average credit score in New Jersey (all cities) is 1.72% greater than the national average score of 696.
- New Jersey collectively ranks 21st in the U.S. in average credit score of residents. ^[3]

More 07304 (Jersey City, NJ) Credit Stats

Credit card delinquency rates in New Jersey ^[2]
- New Jersey residents (all cities) rank 26th in the U.S. with a rate that is 2% less than the national average of 0.57%.

Cardholders in 07304 who are more than 90 days late on payments
- New Jersey Rate: 0.56%
- National Average: 0.57%

Statute of limitations for credit card debt in 07304 ^[4]
- 07304 (New Jersey) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 07304 (Jersey City, NJ)

Recent credit card complaints originating from consumers in 07304, NJ. 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 07304

Complaint Issue	Number of Complaints*
Incorrect information on your report	667
Improper use of your report	412
Problem with a company's investigation into an existing problem	155
Problem with a credit reporting company's investigation	113
Attempts to collect debt not owed	54
Other	195

* Total 2021 - 2024 (current)

Additional information about New Jersey

About 07304

07304 is associated with the city of Jersey City, which is located in Hudson County in the state of New Jersey. ^[6]

07304 Credit Cards

For more information about 07304 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The credit card hologram was first introduced by MasterCard in 1983 in an effort to combat counterfeit and fraudulent activity.

Other ZIP Codes in New Jersey

Cities in NJ

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New Jersey State Legislature

5. ^ Consumer financial complaints in 07304

6. ^ United States Census Bureau