Comprehensive Local Credit Card Guide

Credit Cards in 12202 (Albany, NY)

Credit Card Debt in 12202

^ Average credit card debt in 12202 is approximately $4,952, based on overall New York data. ^[1]

Credit Card Delinquency in 12202

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

Credit Scores in 12202

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

Credit Card & Personal Finance Statistics in 12202

Credit Card Debt in 12202

12202 Credit Card Debt
- The estimated average credit card debt for 12202 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 12202

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12202 Credit Scores

Credit Scores in 12202
- Residents of 12202 (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 12202 (Albany, 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 12202 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 12202 ^[4]
- 12202 (New York) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 12202 (Albany, NY)

Recent credit card complaints originating from consumers in 12202, 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 12202

Complaint Issue	Number of Complaints*
Problem with a company's investigation into an existing problem	152
Incorrect information on your report	40
Improper use of your report	11
Problem with a credit reporting company's investigation	4
Attempts to collect debt not owed	3
Other	2

* Total 2021 - 2024 (current)

Additional information about New York

About 12202

12202 is associated with the city of Albany, which is located in Albany County in the state of New York. ^[6]

12202 Credit Cards

For more information about 12202 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The first few numbers of a credit card can reveal a lot. For example, American Express credit cards begin with 34 or 37.

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 12202

6. ^ United States Census Bureau