Comprehensive Local Credit Card Guide

Credit Cards in 08865 (Phillipsburg, NJ)

Credit Card Debt in 08865

^ Average credit card debt in 08865 is approximately $5,484, based on overall New Jersey data. ^[1]

Credit Card Delinquency in 08865

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

Credit Scores in 08865

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

Credit Card & Personal Finance Statistics in 08865

Credit Card Debt in 08865

08865 Credit Card Debt
- The estimated average credit card debt for 08865 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 08865

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08865 Credit Scores

Credit Scores in 08865
- Residents of 08865 (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 08865 (Phillipsburg, 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 08865 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 08865 ^[4]
- 08865 (New Jersey) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 08865 (Phillipsburg, NJ)

Recent credit card complaints originating from consumers in 08865, 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 08865

Complaint Issue	Number of Complaints*
Incorrect information on your report	49
Improper use of your report	37
Problem with a credit reporting company's investigation	11
Managing an account	8
Attempts to collect debt not owed	7
Other	47

* Total 2021 - 2024 (current)

Additional information about New Jersey

About 08865

08865 is associated with the city of Phillipsburg, which is located in Warren County in the state of New Jersey. ^[6]

08865 Credit Cards

For more information about 08865 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 New Jersey

Cities in NJ

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ New Jersey State Legislature

5. ^ Consumer Financial Protection Bureau

6. ^ United States Census Bureau