Comprehensive Local Credit Card Guide

Credit Cards in 40207 (Louisville, KY)

Credit Card Debt in 40207

^ Average credit card debt in 40207 is approximately $4,436, based on overall Kentucky data. ^[1]

Credit Card Delinquency in 40207

^ Based on overall Kentucky data, the credit card delinquency rate in Louisville is approximately 0.7%. ^[2]

Credit Scores in 40207

^ The average credit score in Louisville is approximately 688, based on collective Kentucky data. ^[3]

Credit Card & Personal Finance Statistics in 40207

Credit Card Debt in 40207

40207 Credit Card Debt
- The estimated average credit card debt for 40207 residents is $4,436. ^[1]
- Average credit card debt amount in Kentucky (all cities) is 11% less than the national average of $4,965.
- Collectively, Kentucky cities rank 45th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 40207

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40207 Credit Scores

Credit Scores in 40207
- Residents of 40207 (KY) have an estimated average credit score of 688. ^[3]
- The average credit score in Kentucky (all cities) is 1.15% less than the national average score of 696.
- Kentucky collectively ranks 38th in the U.S. in average credit score of residents. ^[3]

More 40207 (Louisville, KY) Credit Stats

Credit card delinquency rates in Kentucky ^[2]
- Kentucky residents (all cities) rank 7th in the U.S. with a rate that is 23% greater than the national average of 0.57%.

Cardholders in 40207 who are more than 90 days late on payments
- Kentucky Rate: 0.7%
- National Average: 0.57%

Statute of limitations for credit card debt in 40207 ^[4]
- 40207 (Kentucky) Law: 15 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 40207 (Louisville, KY)

Recent credit card complaints originating from consumers in 40207, KY. 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 40207

Complaint Issue	Number of Complaints*
Improper use of your report	61
Incorrect information on your report	56
Took or threatened to take negative or legal action	7
Advertising and marketing, including promotional offers	5
Managing an account	5
Other	48

* Total 2021 - 2024 (current)

Additional information about Kentucky

About 40207

40207 is associated with the city of Louisville, which is located in Jefferson County in the state of Kentucky. ^[6]

40207 Credit Cards

For more information about 40207 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 Kentucky

Cities in KY

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Kentucky State Legislature

5. ^ Consumer financial complaints in 40207

6. ^ United States Census Bureau