Credit Card & Personal Finance Statistics in 12305
Credit Card Debt in 12305
- 12305 Credit Card Debt
-
- The estimated average credit card debt for 12305 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 12305
12305 Credit Scores
- Credit Scores in 12305
-
- Residents of 12305 (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 12305 (Schenectady, 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 12305 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 12305 [4]
-
- 12305 (New York) Law: 6 years
- U.S. State Average: 5.4 years
Credit Card Complaints in or near 12305 (Schenectady, NY)
Recent credit card complaints originating from consumers in 12305, 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 12305
| Complaint Issue |
Number of Complaints* |
| Improper use of your report |
22 |
| Incorrect information on your report |
8 |
| Problem with a credit reporting company's investigation |
3 |
| Attempts to collect debt not owed |
1 |
| Closing your account |
1 |
| Other |
2 |
* Total 2021 - 2024 (current)
Additional information about New York
About 12305
12305 is associated with the city of Schenectady, which is located in Schenectady County in the state of New York. [6]
Did you know?
A lot can be learned by looking at the first digits of a credit card. For example, MasterCards all begin with numbers between 51 and 55.
Other ZIP Codes in New York
1. ^ The Washington Post
2. ^ TransUnion
3. ^ Equifax
