Comprehensive Local Credit Card Guide

Credit Cards in 13905 (Binghamton, NY)

Credit Card Debt in 13905

^ Average credit card debt in 13905 is approximately $4,952, based on overall New York data. ^[1]

Credit Card Delinquency in 13905

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

Credit Scores in 13905

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

Credit Card & Personal Finance Statistics in 13905

Credit Card Debt in 13905

13905 Credit Card Debt
- The estimated average credit card debt for 13905 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 13905

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13905 Credit Scores

Credit Scores in 13905
- Residents of 13905 (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 13905 (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 13905 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 13905 ^[4]
- 13905 (New York) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 13905 (Binghamton, NY)

Recent credit card complaints originating from consumers in 13905, 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 13905

Complaint Issue	Number of Complaints*
Incorrect information on your report	93
Improper use of your report	63
Problem with a company's investigation into an existing problem	19
Problem with a credit reporting company's investigation	17
Attempts to collect debt not owed	12
Other	45

* Total 2021 - 2024 (current)

Additional information about New York

About 13905

13905 is associated with the city of Binghamton, which is located in Broome County in the state of New York. ^[6]

13905 Credit Cards

For more information about 13905 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

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

Cities in NY

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New York State Legislature

5. ^ Consumer financial complaints in 13905

6. ^ United States Census Bureau