Comprehensive Local Credit Card Guide

Credit Cards in 08861 (Perth Amboy, NJ)

Credit Card Debt in 08861

^ Average credit card debt in 08861 is approximately $5,484, based on overall New Jersey data. ^[1]

Credit Card Delinquency in 08861

^ Based on overall New Jersey data, the credit card delinquency rate in Perth Amboy is approximately 0.56%. ^[2]

Credit Scores in 08861

^ The average credit score in Perth Amboy is approximately 708, based on collective New Jersey data. ^[3]

Credit Card & Personal Finance Statistics in 08861

Credit Card Debt in 08861

08861 Credit Card Debt
- The estimated average credit card debt for 08861 residents is $5,484. ^[1]
- Average credit card debt amount in New Jersey (all cities) is 10% greater than the national average of $4,965.
- Collectively, New Jersey cities rank 6th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 08861

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08861 Credit Scores

Credit Scores in 08861
- Residents of 08861 (NJ) have an estimated average credit score of 708. ^[3]
- The average credit score in New Jersey (all cities) is 1.72% greater than the national average score of 696.
- New Jersey collectively ranks 21st in the U.S. in average credit score of residents. ^[3]

More 08861 (Perth Amboy, NJ) Credit Stats

Credit card delinquency rates in New Jersey ^[2]
- New Jersey residents (all cities) rank 26th in the U.S. with a rate that is 2% less than the national average of 0.57%.

Cardholders in 08861 who are more than 90 days late on payments
- New Jersey Rate: 0.56%
- National Average: 0.57%

Statute of limitations for credit card debt in 08861 ^[4]
- 08861 (New Jersey) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 08861 (Perth Amboy, NJ)

Recent credit card complaints originating from consumers in 08861, NJ. 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 08861

Complaint Issue	Number of Complaints*
Incorrect information on your report	2287
Improper use of your report	1511
Problem with a credit reporting company's investigation	175
Problem with a company's investigation into an existing problem	150
Attempts to collect debt not owed	23
Other	84

* Total 2021 - 2024 (current)

Additional information about New Jersey

About 08861

08861 is associated with the city of Perth Amboy, which is located in Middlesex County in the state of New Jersey. ^[6]

08861 Credit Cards

For more information about 08861 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 New Jersey

Cities in NJ

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New Jersey State Legislature

5. ^ Consumer financial complaints in 08861

6. ^ United States Census Bureau