Comprehensive Local Credit Card Guide

Credit Cards in 12227 (Albany, NY)

Credit Card Debt in 12227

^ Average credit card debt in 12227 is approximately $4,952, based on overall New York data. ^[1]

Credit Card Delinquency in 12227

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

Credit Scores in 12227

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

Credit Card & Personal Finance Statistics in 12227

Credit Card Debt in 12227

12227 Credit Card Debt
- The estimated average credit card debt for 12227 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 12227

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.

12227 Credit Scores

Credit Scores in 12227
- Residents of 12227 (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 12227 (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 12227 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 12227 ^[4]
- 12227 (New York) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 12227 (Albany, NY)

Recent credit card complaints originating from consumers in 12227, 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 12227

Complaint Issue	Number of Complaints*

* Total 2021 - 2024 (current)

Additional information about New York

About 12227

12227 is associated with the city of Albany, which is located in Albany County in the state of New York. ^[6]

12227 Credit Cards

For more information about 12227 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 Protection Bureau

6. ^ United States Census Bureau