North Carolina Credit Card & Personal Finance Statistics
North Carolina Credit Card Debt
- Credit Card Debt: NC vs. U.S.
- North Carolina residents have average credit card debt of $5,548. 
- The average credit card debt amount in North Carolina is
12% greater than the national average of $4,965.
- NC ranks 4th in the nation in average credit card debt. 
Credit Card Delinquency in NC
- Cardholders that are more than 90 days late on credit card payments in North Carolina 
- North Carolina ranks 13th in the nation with a credit card delinquency rate that
is 16% greater than the national average of 0.57%.
- North Carolina Rate: 0.66%
- National Average: 0.57%
- Statute of limitations for credit card debt in North Carolina 
- North Carolina: 3 years
- U.S. Average: 5.4 years
North Carolina Credit Scores
- Credit Scores: NC vs. U.S.
- North Carolina residents have an average credit score of 685. 
- The average credit score for North Carolina residents is
2% less than the national average score of 696.
- NC ranks 39th in the nation in average credit score. 
North Carolina Demographics
Income Breakdown in North Carolina
The state of North Carolina has a median household income is $51,083. Approximately 17 percent of households in NC have incomes below the poverty level. 
Household Income: North Carolina vs. U.S.
The median household income in the state of North Carolina is approximately 12 percent less 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 North Carolina median household income of $51,083. 
Age Breakdown in North Carolina
In North Carolina, just under 74 percent of state residents meet the minimum age requirement to own a credit card in their own name without a co-signer.  
Additional information about North Carolina
About North Carolina
The state of North Carolina has a population of approximately 9,535,483, ranking 8th in the nation. 
More about North Carolina Credit Cards
For more information about North Carolina credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.
Did you know?
The first few numbers of a credit card can reveal a lot. For example, American Express credit cards begin with 34 or 37.
1. ^ The Washington Post
2. ^ TransUnion
3. ^ Equifax
4. ^ North Carolina State Legislature
5. ^ United States Census Bureau
6. ^ U.S. Federal Reserve