Comprehensive Local Credit Card Guide

Credit Cards in 38040 (Halls, TN)

Credit Card Debt in 38040

^ Average credit card debt in 38040 is approximately $4,669, based on overall Tennessee data. ^[1]

Credit Card Delinquency in 38040

^ Based on overall Tennessee data, the credit card delinquency rate in Halls is approximately 0.66%. ^[2]

Credit Scores in 38040

^ The average credit score in Halls is approximately 682, based on collective Tennessee data. ^[3]

Credit Card & Personal Finance Statistics in 38040

Credit Card Debt in 38040

38040 Credit Card Debt
- The estimated average credit card debt for 38040 residents is $4,669. ^[1]
- Average credit card debt amount in Tennessee (all cities) is 6% less than the national average of $4,965.
- Collectively, Tennessee cities rank 35th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 38040

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38040 Credit Scores

Credit Scores in 38040
- Residents of 38040 (TN) have an estimated average credit score of 682. ^[3]
- The average credit score in Tennessee (all cities) is 2.01% less than the national average score of 696.
- Tennessee collectively ranks 43rd in the U.S. in average credit score of residents. ^[3]

More 38040 (Halls, TN) Credit Stats

Credit card delinquency rates in Tennessee ^[2]
- Tennessee residents (all cities) rank 14th in the U.S. with a rate that is 16% greater than the national average of 0.57%.

Cardholders in 38040 who are more than 90 days late on payments
- Tennessee Rate: 0.66%
- National Average: 0.57%

Statute of limitations for credit card debt in 38040 ^[4]
- 38040 (Tennessee) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 38040 (Halls, TN)

Recent credit card complaints originating from consumers in 38040, TN. 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 38040

Complaint Issue	Number of Complaints*
Incorrect information on your report	16
False statements or representation	2
Problem with a company's investigation into an existing problem	2
Problem with a credit reporting company's investigation	2
Unable to get your credit report or credit score	1

* Total 2021 - 2024 (current)

Additional information about Tennessee

About 38040

38040 is associated with the city of Halls, which is located in Lauderdale County in the state of Tennessee. ^[6]

38040 Credit Cards

For more information about 38040 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 Tennessee

Cities in TN

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Tennessee State Legislature

5. ^ Consumer financial complaints in 38040

6. ^ United States Census Bureau