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Comprehensive Local Credit Card Guide

New Jersey Credit Cards

Credit Card Debt in NJ

^ New Jersey residents have average credit card debt of $5,484, which ranks 6th in the nation. [1]

Credit Card Info in NJ by City

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Credit Card Delinquency in NJ

^ The credit card delinquency rate for New Jersey residents is 0.56%, which ranks 26th in the U.S. [2]

NJ Credit Cards

New Jersey Credit Card & Personal Finance Statistics

New Jersey Credit Card Debt


  • Credit Card Debt: NJ vs. U.S.
    • New Jersey residents have average credit card debt of $5,484. [1]
    • The average credit card debt amount in New Jersey is 10% greater than the national average of $4,965.
    • NJ ranks 6th in the nation in average credit card debt. [1]

Credit Card Delinquency in NJ


  • Cardholders that are more than 90 days late on credit card payments in New Jersey [2]
    • New Jersey ranks 26th in the nation with a credit card delinquency rate that is 2% less than the national average of 0.57%.
    • New Jersey Rate: 0.56%
    • National Average: 0.57%
  • Statute of limitations for credit card debt in New Jersey [4]
    • New Jersey: 6 years
    • U.S. Average: 5.4 years

New Jersey Credit Scores


  • Credit Scores: NJ vs. U.S.
    • New Jersey residents have an average credit score of 708. [3]
    • The average credit score for New Jersey residents is 2% greater than the national average score of 696.
    • NJ ranks 21st in the nation in average credit score. [3]

New Jersey Demographics

Income Breakdown in New Jersey

The state of New Jersey has a median household income is $77,894. Approximately 10 percent of households in NJ have incomes below the poverty level. [5]



Household Income: New Jersey vs. U.S.

The median household income in the state of New Jersey is approximately 34 percent more than the median income for the United States in its entirety.

For the nation as a whole, the median household income is $58,283, versus the New Jersey median household income of $77,894. [5]


Age Breakdown in New Jersey

In New Jersey, just under 75 percent of state residents meet the minimum age requirement to own a credit card in their own name without a co-signer. [5] [6]



Additional information about New Jersey

About New Jersey

The state of New Jersey has a population of approximately 8,791,894, ranking 12th in the nation. [5]

NJ Credit Cards

More about New Jersey Credit Cards

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

Did you know?

Iowa residents had the lowest average credit card debt in the nation in 2013, at $3,885 per cardholder.

New Jersey Cities

New Jersey ZIP Codes


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References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New Jersey State Legislature

5. ^ United States Census Bureau

6. ^ U.S. Federal Reserve