Credit Card & Personal Finance Statistics in 12308
Credit Card Debt in 12308
- 12308 Credit Card Debt
-
- The estimated average credit card debt for 12308 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 12308
12308 Credit Scores
- Credit Scores in 12308
-
- Residents of 12308 (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 12308 (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 12308 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 12308 [4]
-
- 12308 (New York) Law: 6 years
- U.S. State Average: 5.4 years
Credit Card Complaints in or near 12308 (Schenectady, NY)
Recent credit card complaints originating from consumers in 12308, 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 12308
| Complaint Issue |
Number of Complaints* |
| Incorrect information on your report |
95 |
| Improper use of your report |
23 |
| Problem with a credit reporting company's investigation |
5 |
| Attempts to collect debt not owed |
4 |
| Dealing with your lender or servicer |
2 |
| Other |
7 |
* Total 2021 - 2024 (current)
Additional information about New York
About 12308
12308 is associated with the city of Schenectady, which is located in Schenectady County in the state of New York. [6]
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
1. ^ The Washington Post
2. ^ TransUnion
3. ^ Equifax
