Comprehensive Local Credit Card Guide

Credit Cards in 45415 (Dayton, OH)

Credit Card Debt in 45415

^ Average credit card debt in 45415 is approximately $4,817, based on overall Ohio data. ^[1]

Credit Card Delinquency in 45415

^ Based on overall Ohio data, the credit card delinquency rate in Dayton is approximately 0.57%. ^[2]

Credit Scores in 45415

^ The average credit score in Dayton is approximately 699, based on collective Ohio data. ^[3]

Credit Card & Personal Finance Statistics in 45415

Credit Card Debt in 45415

45415 Credit Card Debt
- The estimated average credit card debt for 45415 residents is $4,817. ^[1]
- Average credit card debt amount in Ohio (all cities) is 3% less than the national average of $4,965.
- Collectively, Ohio cities rank 28th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 45415

How much are you paying in interest?

Credit Card Balance:
Interest (Annual Percentage Rate):
Monthly Payment: (at least $25 for each $100)

Months required to pay balance:
Your total payment will be:
Your total interest payments will be:

Lexington Law. We know credit Repair

Learn more about legal online credit repair.

45415 Credit Scores

Credit Scores in 45415
- Residents of 45415 (OH) have an estimated average credit score of 699. ^[3]
- The average credit score in Ohio (all cities) is 0.43% greater than the national average score of 696.
- Ohio collectively ranks 29th in the U.S. in average credit score of residents. ^[3]

More 45415 (Dayton, OH) Credit Stats

Credit card delinquency rates in Ohio ^[2]
- Ohio residents (all cities) rank 22nd in the U.S. with a rate that is exactly equal to the national average of 0.57%.

Cardholders in 45415 who are more than 90 days late on payments
- Ohio Rate: 0.57%
- National Average: 0.57%

Statute of limitations for credit card debt in 45415 ^[4]
- 45415 (Ohio) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 45415 (Dayton, OH)

Recent credit card complaints originating from consumers in 45415, OH. 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 45415

Complaint Issue	Number of Complaints*
Improper use of your report	48
Incorrect information on your report	17
Attempts to collect debt not owed	8
Problem with a company's investigation into an existing problem	6
Problem with a credit reporting company's investigation	5
Other	10

* Total 2021 - 2024 (current)

Additional information about Ohio

About 45415

45415 is associated with the city of Dayton, which is located in Montgomery County in the state of Ohio. ^[6]

45415 Credit Cards

For more information about 45415 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 Ohio

Cities in OH

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Ohio State Legislature

5. ^ Consumer financial complaints in 45415

6. ^ United States Census Bureau