Comprehensive Local Credit Card Guide

Credit Cards in 77005 (Houston, TX)

Credit Card Debt in 77005

^ Average credit card debt in 77005 is approximately $5,173, based on overall Texas data. ^[1]

Credit Card Delinquency in 77005

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

Credit Scores in 77005

^ The average credit score in Houston is approximately 674, based on collective Texas data. ^[3]

Credit Card & Personal Finance Statistics in 77005

Credit Card Debt in 77005

77005 Credit Card Debt
- The estimated average credit card debt for 77005 residents is $5,173. ^[1]
- Average credit card debt amount in Texas (all cities) is 4% greater than the national average of $4,965.
- Collectively, Texas cities rank 14th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 77005

How much are you paying in interest?

Credit Card Balance:
Interest (Annual Percentage Rate):
Monthly Payment: (at least $25 for each $100)

Months required to pay balance:
Your total payment will be:
Your total interest payments will be:

Lexington Law. We know credit Repair

Learn more about legal online credit repair.

77005 Credit Scores

Credit Scores in 77005
- Residents of 77005 (TX) have an estimated average credit score of 674. ^[3]
- The average credit score in Texas (all cities) is 3.16% less than the national average score of 696.
- Texas collectively ranks 47th in the U.S. in average credit score of residents. ^[3]

More 77005 (Houston, TX) Credit Stats

Credit card delinquency rates in Texas ^[2]
- Texas residents (all cities) rank 20th in the U.S. with a rate that is 4% greater than the national average of 0.57%.

Cardholders in 77005 who are more than 90 days late on payments
- Texas Rate: 0.59%
- National Average: 0.57%

Statute of limitations for credit card debt in 77005 ^[4]
- 77005 (Texas) Law: 4 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 77005 (Houston, TX)

Recent credit card complaints originating from consumers in 77005, TX. 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 77005

Complaint Issue	Number of Complaints*
Incorrect information on your report	46
Improper use of your report	35
Problem with a credit reporting company's investigation	10
Attempts to collect debt not owed	8
Written notification about debt	7
Other	52

* Total 2021 - 2024 (current)

Additional information about Texas

About 77005

77005 is associated with the city of Houston, which is located in Harris County in the state of Texas. ^[6]

77005 Credit Cards

For more information about 77005 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The credit card hologram was first introduced by MasterCard in 1983 in an effort to combat counterfeit and fraudulent activity.

Other ZIP Codes in Texas

Cities in TX

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Texas State Legislature

5. ^ Consumer financial complaints in 77005

6. ^ United States Census Bureau