Comprehensive Local Credit Card Guide

Credit Cards in 12208 (Albany, NY)

Credit Card Debt in 12208

^ Average credit card debt in 12208 is approximately $4,952, based on overall New York data. ^[1]

Credit Card Delinquency in 12208

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

Credit Scores in 12208

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

Credit Card & Personal Finance Statistics in 12208

Credit Card Debt in 12208

12208 Credit Card Debt
- The estimated average credit card debt for 12208 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 12208

How much are you paying in interest?

Credit Card Balance:
Interest (Annual Percentage Rate):
Monthly Payment: (at least $25 for each $100)

Months required to pay balance:
Your total payment will be:
Your total interest payments will be:

Lexington Law. We know credit Repair

Learn more about legal online credit repair.

12208 Credit Scores

Credit Scores in 12208
- Residents of 12208 (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 12208 (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 12208 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 12208 ^[4]
- 12208 (New York) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 12208 (Albany, NY)

Recent credit card complaints originating from consumers in 12208, 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 12208

Complaint Issue	Number of Complaints*
Incorrect information on your report	39
Problem with a credit reporting company's investigation	25
Problem with a company's investigation into an existing problem	20
Improper use of your report	16
Attempts to collect debt not owed	12
Other	49

* Total 2021 - 2024 (current)

Additional information about New York

About 12208

12208 is associated with the city of Albany, which is located in Albany County in the state of New York. ^[6]

12208 Credit Cards

For more information about 12208 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The first few numbers (even the very first number) of a credit card can reveal a lot. For example, Visa credit cards begin with a 4.

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 12208

6. ^ United States Census Bureau