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Comprehensive Local Credit Card Guide

Credit Cards in 01040 (Holyoke, MA)

Credit Card Debt in 01040

^ Average credit card debt in 01040 is approximately $5,142, based on overall Massachusetts data. [1]

Credit Card Delinquency in 01040

^ Based on overall Massachusetts data, the credit card delinquency rate in Holyoke is approximately 0.62%. [2]

Credit Scores in 01040

^ The average credit score in Holyoke is approximately 714, based on collective Massachusetts data. [3]

MA Credit Cards

Credit Card & Personal Finance Statistics in 01040

Credit Card Debt in 01040


  • 01040 Credit Card Debt
    • The estimated average credit card debt for 01040 residents is $5,142. [1]
    • Average credit card debt amount in Massachusetts (all cities) is 4% greater than the national average of $4,965.
    • Collectively, Massachusetts cities rank 16th in the U.S. in average credit card debt. [1]

Credit Card Calculator for 01040


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01040 Credit Scores


  • Credit Scores in 01040
    • Residents of 01040 (MA) have an estimated average credit score of 714. [3]
    • The average credit score in Massachusetts (all cities) is 2.59% greater than the national average score of 696.
    • Massachusetts collectively ranks 11th in the U.S. in average credit score of residents. [3]

More 01040 (Holyoke, MA) Credit Stats

  • Credit card delinquency rates in Massachusetts [2]
    • Massachusetts residents (all cities) rank 16th in the U.S. with a rate that is 9% greater than the national average of 0.57%.
  • Cardholders in 01040 who are more than 90 days late on payments
    • Massachusetts Rate: 0.62%
    • National Average: 0.57%
  • Statute of limitations for credit card debt in 01040 [4]
    • 01040 (Massachusetts) Law: 6 years
    • U.S. State Average: 5.4 years

Credit Card Complaints in or near 01040 (Holyoke, MA)

Recent credit card complaints originating from consumers in 01040, MA. 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?
Apr 19, 2016
01040
Identity theft / Fraud / Embezzlement
CITIBANK, N.A.
Closed with monetary relief
Yes
No
Apr 23, 2013
01040
Payoff process
JPMORGAN CHASE & CO.
Closed with explanation
Yes
No
Jan 24, 2017
01040
Billing disputes
DISCOVER BANK
Closed with explanation
Yes
No
Apr 14, 2016
01040
APR or interest rate
CITIBANK, N.A.
Closed with explanation
Yes
No
Nov 27, 2012
01040
Credit determination
AMERICAN EXPRESS COMPANY
Closed with explanation
Yes
No
Mar 25, 2014
01040
Identity theft / Fraud / Embezzlement
CAPITAL ONE FINANCIAL CORPORATION
Closed with explanation
Yes
No
Mar 31, 2014
01040
Balance transfer
CITIBANK, N.A.
Closed with explanation
Yes
No

Local financial institutions in or near 01040

Banks in or near 01040 (Holyoke, MA)

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

Sorry, no local banks found.

Our search for banks located in 01040 produced no matches.

ATMs in or near 01040 (Holyoke, MA)

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


Sorry, no local ATMs were found.

Our search for ATMs located in 01040 produced no matches.

Credit Unions in or near 01040 (Holyoke, MA)

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


Sorry, no local credit unions were found.

Our search for credit unions located in 01040 produced no matches.

Household Income Statistics in 01040

Income: 01040 vs. Massachusetts

Median household income in 01040 ($30,649) is approximately 57 percent less than the median income for the state as a whole ($71,021). [5]


Income Breakdown in 01040

The median household income in 01040 is $30,649, versus $71,021 for Massachusetts and $58,283 for the U.S. Approximately 17 percent of Holyoke households have incomes below poverty level. [5]



Income: 01040 vs. Nation

Median household income in 01040 ($30,649) is approximately 47 percent less than the median income for the entire United States ($58,283). [5]


Additional information about Massachusetts

About 01040

01040 is associated with the city of Holyoke, which is located in Hampden County in the state of Massachusetts. [6]

MA Credit Cards

01040 Credit Cards

For more information about 01040 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

Alaska residents had the highest average credit card debt in the nation in 2013, at $6,910 per cardholder.

Other ZIP Codes in Massachusetts


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Cities in MA

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Massachusetts State Legislature

5. ^ Consumer Financial Protection Bureau

6. ^ United States Census Bureau