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Comprehensive Local Credit Card Guide

Texas Credit Cards

Credit Card Debt in TX

^ Texas residents have average credit card debt of $5,173, which ranks 14th in the nation. [1]

Credit Card Info in TX by City

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Credit Card Delinquency in TX

^ The credit card delinquency rate for Texas residents is 0.59%, which ranks 20th in the U.S. [2]

TX Credit Cards

Texas Credit Card & Personal Finance Statistics

Texas Credit Card Debt


  • Credit Card Debt: TX vs. U.S.
    • Texas residents have average credit card debt of $5,173. [1]
    • The average credit card debt amount in Texas is 4% greater than the national average of $4,965.
    • TX ranks 14th in the nation in average credit card debt. [1]

Credit Card Delinquency in TX


  • Cardholders that are more than 90 days late on credit card payments in Texas [2]
    • Texas ranks 20th in the nation with a credit card delinquency rate that is 4% greater than the national average of 0.57%.
    • Texas Rate: 0.59%
    • National Average: 0.57%
  • Statute of limitations for credit card debt in Texas [4]
    • Texas: 4 years
    • U.S. Average: 5.4 years

Texas Credit Scores


  • Credit Scores: TX vs. U.S.
    • Texas residents have an average credit score of 674. [3]
    • The average credit score for Texas residents is 3% less than the national average score of 696.
    • TX ranks 47th in the nation in average credit score. [3]

Texas Demographics

Income Breakdown in Texas

The state of Texas has a median household income is $57,144. Approximately 18 percent of households in TX have incomes below the poverty level. [5]



Household Income: Texas vs. U.S.

The median household income in the state of Texas is approximately 2 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 Texas median household income of $57,144. [5]


Age Breakdown in Texas

In Texas, just under 70 percent of state residents meet the minimum age requirement to own a credit card in their own name without a co-signer. [5] [6]



Additional information about Texas

About Texas

The state of Texas has a population of approximately 25,145,561, ranking 2nd in the nation. [5]

TX Credit Cards

More about Texas Credit Cards

For more information about Texas credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

A lot can be learned by looking at the first digits of a credit card. For example, MasterCards all begin with numbers between 51 and 55.

Texas Cities

Texas ZIP Codes


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References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Texas State Legislature

5. ^ United States Census Bureau

6. ^ U.S. Federal Reserve