Comprehensive Local Credit Card Guide

Credit Cards in 12196 (West Sand Lake, NY)

Credit Card Debt in 12196

^ Average credit card debt in 12196 is approximately $4,952, based on overall New York data. ^[1]

Credit Card Delinquency in 12196

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

Credit Scores in 12196

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

Credit Card & Personal Finance Statistics in 12196

Credit Card Debt in 12196

12196 Credit Card Debt
- The estimated average credit card debt for 12196 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 12196

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12196 Credit Scores

Credit Scores in 12196
- Residents of 12196 (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 12196 (West Sand Lake, 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 12196 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 12196 ^[4]
- 12196 (New York) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 12196 (West Sand Lake, NY)

Recent credit card complaints originating from consumers in 12196, 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 12196

Complaint Issue	Number of Complaints*
Improper use of your report	6
Trouble during payment process	2

* Total 2021 - 2024 (current)

Additional information about New York

About 12196

12196 is associated with the city of West Sand Lake, which is located in Rensselaer County in the state of New York. ^[6]

12196 Credit Cards

For more information about 12196 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 New York

Cities in NY

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New York State Legislature

5. ^ Consumer financial complaints in 12196

6. ^ United States Census Bureau