Comprehensive Local Credit Card Guide

Credit Cards in 45801 (Lima, OH)

Credit Card Debt in 45801

^ Average credit card debt in 45801 is approximately $4,817, based on overall Ohio data. ^[1]

Credit Card Delinquency in 45801

^ Based on overall Ohio data, the credit card delinquency rate in Lima is approximately 0.57%. ^[2]

Credit Scores in 45801

^ The average credit score in Lima is approximately 699, based on collective Ohio data. ^[3]

Credit Card & Personal Finance Statistics in 45801

Credit Card Debt in 45801

45801 Credit Card Debt
- The estimated average credit card debt for 45801 residents is $4,817. ^[1]
- Average credit card debt amount in Ohio (all cities) is 3% less than the national average of $4,965.
- Collectively, Ohio cities rank 28th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 45801

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45801 Credit Scores

Credit Scores in 45801
- Residents of 45801 (OH) have an estimated average credit score of 699. ^[3]
- The average credit score in Ohio (all cities) is 0.43% greater than the national average score of 696.
- Ohio collectively ranks 29th in the U.S. in average credit score of residents. ^[3]

More 45801 (Lima, OH) Credit Stats

Credit card delinquency rates in Ohio ^[2]
- Ohio residents (all cities) rank 22nd in the U.S. with a rate that is exactly equal to the national average of 0.57%.

Cardholders in 45801 who are more than 90 days late on payments
- Ohio Rate: 0.57%
- National Average: 0.57%

Statute of limitations for credit card debt in 45801 ^[4]
- 45801 (Ohio) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 45801 (Lima, OH)

Recent credit card complaints originating from consumers in 45801, OH. 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 45801

Complaint Issue	Number of Complaints*
Incorrect information on your report	24
Problem with a company's investigation into an existing problem	6
Problem with a credit reporting company's investigation	5
Attempts to collect debt not owed	4
Improper use of your report	3
Other	18

* Total 2021 - 2024 (current)

Additional information about Ohio

About 45801

45801 is associated with the city of Lima, which is located in Allen County in the state of Ohio. ^[6]

45801 Credit Cards

For more information about 45801 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

Paying with plastic? American Express was the first company with an actual plastic credit card - the first being introduced in 1958.

Other ZIP Codes in Ohio

Cities in OH

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Ohio State Legislature

5. ^ Consumer financial complaints in 45801

6. ^ United States Census Bureau