Comprehensive Local Credit Card Guide

Credit Cards in 12043 (Cobleskill, NY)

Credit Card Debt in 12043

^ Average credit card debt in 12043 is approximately $4,952, based on overall New York data. ^[1]

Credit Card Delinquency in 12043

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

Credit Scores in 12043

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

Credit Card & Personal Finance Statistics in 12043

Credit Card Debt in 12043

12043 Credit Card Debt
- The estimated average credit card debt for 12043 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 12043

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12043 Credit Scores

Credit Scores in 12043
- Residents of 12043 (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 12043 (Cobleskill, 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 12043 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 12043 ^[4]
- 12043 (New York) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 12043 (Cobleskill, NY)

Recent credit card complaints originating from consumers in 12043, 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 12043

Complaint Issue	Number of Complaints*
Attempts to collect debt not owed	5
Problem with a company's investigation into an existing problem	2
Applying for a mortgage or refinancing an existing mortgage	1
Charged fees or interest you didn't expect	1
Closing an account	1
Other	1

* Total 2021 - 2024 (current)

Additional information about New York

About 12043

12043 is associated with the city of Cobleskill, which is located in Schoharie County in the state of New York. ^[6]

12043 Credit Cards

For more information about 12043 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

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New York State Legislature

5. ^ Consumer financial complaints in 12043

6. ^ United States Census Bureau