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Comprehensive Local Credit Card Guide

Credit Cards in 10963 (Otisville, NY)

Credit Card Debt in 10963

^ Average credit card debt in 10963 is approximately $4,952, based on overall New York data. [1]

Credit Card Delinquency in 10963

^ Based on overall New York data, the credit card delinquency rate in Otisville is approximately 0.59%. [2]

Credit Scores in 10963

^ The average credit score in Otisville is approximately 704, based on collective New York data. [3]

NY Credit Cards

Credit Card & Personal Finance Statistics in 10963

Credit Card Debt in 10963

  • 10963 Credit Card Debt
    • The estimated average credit card debt for 10963 residents is $4,952. [1]
    • Average credit card debt amount in New York (all cities) is 0% less than the national average of $4,965.
    • Collectively, New York cities rank 20th in the U.S. in average credit card debt. [1]

Credit Card Calculator for 10963

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10963 Credit Scores

  • Credit Scores in 10963
    • Residents of 10963 (NY) have an estimated average credit score of 704. [3]
    • The average credit score in New York (all cities) is 1.15% greater than the national average score of 696.
    • New York collectively ranks 24th in the U.S. in average credit score of residents. [3]

More 10963 (Otisville, NY) Credit Stats

  • Credit card delinquency rates in New York [2]
    • New York residents (all cities) rank 19th in the U.S. with a rate that is 4% greater than the national average of 0.57%.
  • Cardholders in 10963 who are more than 90 days late on payments
    • New York Rate: 0.59%
    • National Average: 0.57%
  • Statute of limitations for credit card debt in 10963 [4]
    • 10963 (New York) Law: 6 years
    • U.S. State Average: 5.4 years

Credit Card Complaints in or near 10963 (Otisville, NY)

Recent credit card complaints originating from consumers in 10963, NY. 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 10963

Complaint Issue Number of Complaints*
Improper use of your report 3
Closing an account 1
Credit monitoring or identity theft protection services 1
Fraud or scam 1
Managing an account 1
Other 1
* Total 2021 - 2024 (current)

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Additional information about New York

About 10963

10963 is associated with the city of Otisville, which is located in Orange County in the state of New York. [6]

NY Credit Cards

10963 Credit Cards

For more information about 10963 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

Paying with plastic? American Express was the first company with an actual plastic credit card - the first being introduced in 1958.

Other ZIP Codes in New York


Cities in NY


1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New York State Legislature

5. ^ Consumer financial complaints in 10963

6. ^ United States Census Bureau