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Comprehensive Local Credit Card Guide

Saratoga Springs Credit Cards

Credit Card Debt in Saratoga Springs

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

Credit Card Delinquency in Saratoga Springs

^ Based on overall NY data, the credit card delinquency rate in Saratoga Springs is approximately 0.59%. [2]

Credit Scores in Saratoga Springs

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

NY Credit Cards

Saratoga Springs, NY Credit Card & Personal Finance Statistics

Saratoga Springs Credit Card Debt


  • Credit Card Debt in Saratoga Springs
    • The estimated average credit card debt for Saratoga Springs 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]

Saratoga Springs Credit Card Calculator


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Saratoga Springs Credit Scores


  • Credit Scores in Saratoga Springs
    • Residents of Saratoga Springs, 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 Saratoga Springs, 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%.
  • Saratoga Springs cardholders that 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 Saratoga Springs [4]
    • Saratoga Springs (New York) Law: 6 years
    • U.S. State Average: 5.4 years

Credit Card Complaints in or near Saratoga Springs, NY

Recent credit card complaints originating from consumers in 12866, 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]


Date Complaint FiledZIP of ComplaintType of ComplaintCompanyStatus of ComplaintTimely response?Consumer disputed?
Nov 8, 2012
12866
Credit card protection / Debt protection
BANK OF AMERICA, NATIONAL ASSOCIATION
Closed with non-monetary relief
Yes
No
Feb 28, 2012
12866
Closing/Cancelling account
CITIBANK, N.A.
Closed with relief
Yes
No
May 11, 2012
12866
Customer service / Customer relations
BARCLAYS BANK DELAWARE
Closed with relief
Yes
Yes
Apr 3, 2012
12866
APR or interest rate
DISCOVER BANK
Closed without relief
Yes
No
Aug 9, 2016
12866
Identity theft / Fraud / Embezzlement
CITIBANK, N.A.
Closed with monetary relief
Yes
No
Jun 19, 2012
12866
Credit determination
BANK OF AMERICA, NATIONAL ASSOCIATION
Closed
Yes
No
Jan 4, 2015
12866
Other
CITIBANK, N.A.
Closed with explanation
Yes
No
Sep 29, 2013
12866
Identity theft / Fraud / Embezzlement
DISCOVER BANK
Closed with explanation
Yes
Yes
Nov 13, 2015
12866
Identity theft / Fraud / Embezzlement
U.S. BANCORP
Closed with explanation
Yes
Yes
Oct 18, 2012
12866
APR or interest rate
FIRST NIAGARA FINANCIAL GROUP, INC.
Closed with non-monetary relief
No
No
Apr 17, 2015
12866
Customer service / Customer relations
BARCLAYS BANK DELAWARE
Closed with monetary relief
Yes
No
Jun 6, 2012
12866
Other fee
FIRST NIAGARA FINANCIAL GROUP, INC.
Closed with explanation
Yes
No
Dec 4, 2015
12866
Payoff process
SYNCHRONY FINANCIAL
Closed with explanation
Yes
No

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Local Financial Institutions in Saratoga Springs

Banks in or near Saratoga Springs, NY

Local banks offering credit and financial products to residents of the community.

Sorry, no local banks found.

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ATMs in or near Saratoga Springs, NY

Local Automated Teller Machines (ATMs) for use by residents of the community.


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Our search for ATMs located in Saratoga Springs produced no matches.

Credit Unions in or near Saratoga Springs, NY

Local credit unions offering financial products to residents of the community.


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Our search for credit unions located in Saratoga Springs produced no matches.

Saratoga Springs, NY Household Income Statistics

Income: Saratoga Springs vs. New York

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Saratoga Springs, NY Income Breakdown

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Income: Saratoga Springs vs. Nation

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Additional information about New York

About Saratoga Springs

Saratoga Springs is a city located in Saratoga County in the state of New York, and has a population of approximately 26,586. [6]

NY Credit Cards

Saratoga Springs Credit Cards

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

Did you know?

The first few numbers of a credit card can reveal a lot. For example, American Express credit cards begin with 34 or 37.

Additional Cities in NY

ZIP Codes in New York


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References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New York State Legislature

5. ^ Consumer Financial Protection Bureau

6. ^ United States Census Bureau