Comprehensive Local Credit Card Guide

Credit Cards in 13904 (Binghamton, NY)

Credit Card Debt in 13904

^ Average credit card debt in 13904 is approximately $4,952, based on overall New York data. ^[1]

Credit Card Delinquency in 13904

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

Credit Scores in 13904

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

Credit Card & Personal Finance Statistics in 13904

Credit Card Debt in 13904

13904 Credit Card Debt
- The estimated average credit card debt for 13904 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 13904

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13904 Credit Scores

Credit Scores in 13904
- Residents of 13904 (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 13904 (Binghamton, 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 13904 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 13904 ^[4]
- 13904 (New York) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 13904 (Binghamton, NY)

Recent credit card complaints originating from consumers in 13904, 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 13904

Complaint Issue	Number of Complaints*
Improper use of your report	6
Advertising and marketing, including promotional offers	1
Communication tactics	1
Problem with a lender or other company charging your account	1
Took or threatened to take negative or legal action	1

* Total 2021 - 2024 (current)

Additional information about New York

About 13904

13904 is associated with the city of Binghamton, which is located in Broome County in the state of New York. ^[6]

13904 Credit Cards

For more information about 13904 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 13904

6. ^ United States Census Bureau