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Comprehensive Local Credit Card Guide

Credit Cards in 01085 (Westfield, MA)

Credit Card Debt in 01085

^ Average credit card debt in 01085 is approximately $5,142, based on overall Massachusetts data. [1]

Credit Card Delinquency in 01085

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

Credit Scores in 01085

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

MA Credit Cards

Credit Card & Personal Finance Statistics in 01085

Credit Card Debt in 01085


  • 01085 Credit Card Debt
    • The estimated average credit card debt for 01085 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 01085


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01085 Credit Scores


  • Credit Scores in 01085
    • Residents of 01085 (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 01085 (Westfield, 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 01085 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 01085 [4]
    • 01085 (Massachusetts) Law: 6 years
    • U.S. State Average: 5.4 years

Credit Card Complaints in or near 01085 (Westfield, MA)

Recent credit card complaints originating from consumers in 01085, 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?
May 22, 2013
01085
APR or interest rate
CITIZENS FINANCIAL GROUP, INC.
Closed with explanation
Yes
Yes
Jan 16, 2016
01085
Billing disputes
BANK OF AMERICA, NATIONAL ASSOCIATION
Closed with explanation
Yes
No
Mar 13, 2013
01085
Billing disputes
CAPITAL ONE FINANCIAL CORPORATION
Closed with explanation
Yes
Yes
Jan 18, 2016
01085
Billing disputes
BANK OF AMERICA, NATIONAL ASSOCIATION
Closed with explanation
Yes
Yes
Jan 9, 2012
01085
Other fee
JPMORGAN CHASE & CO.
Closed with relief
Yes
No
Dec 20, 2012
01085
Credit reporting
BANK OF AMERICA, NATIONAL ASSOCIATION
Closed with explanation
Yes
Yes
Nov 8, 2012
01085
Late fee
CAPITAL ONE FINANCIAL CORPORATION
Closed with explanation
Yes
No
Jul 3, 2014
01085
Advertising and marketing
BARCLAYS BANK DELAWARE
Closed with explanation
Yes
No
Jul 28, 2014
01085
Transaction issue
CAPITAL ONE FINANCIAL CORPORATION
Closed with monetary relief
Yes
No
Jun 22, 2016
01085
Customer service / Customer relations
CITIBANK, N.A.
Closed with explanation
Yes
No
Sep 14, 2016
01085
Identity theft / Fraud / Embezzlement
CITIBANK, N.A.
Closed with monetary relief
Yes
No

Local financial institutions in or near 01085

Banks in or near 01085 (Westfield, MA)

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

Sorry, no local banks found.

Our search for banks located in 01085 produced no matches.

ATMs in or near 01085 (Westfield, 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 01085 produced no matches.

Credit Unions in or near 01085 (Westfield, 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 01085 produced no matches.

Household Income Statistics in 01085

Income: 01085 vs. Massachusetts

Median household income in 01085 ($27,477) is approximately 61 percent less than the median income for the state as a whole ($71,021). [5]


Income Breakdown in 01085

The median household income in 01085 is $27,477, versus $71,021 for Massachusetts and $58,283 for the U.S. Approximately 17 percent of Westfield households have incomes below poverty level. [5]



Income: 01085 vs. Nation

Median household income in 01085 ($27,477) is approximately 53 percent less than the median income for the entire United States ($58,283). [5]


Additional information about Massachusetts

About 01085

01085 is associated with the city of Westfield, which is located in Hampden County in the state of Massachusetts. [6]

MA Credit Cards

01085 Credit Cards

For more information about 01085 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 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