Paying With Plastic Astoria NY

Most credit card issuers offer a 25 day grace period in which to pay for new purchases without incurring finance charges if you pay your balance in full each month. Some issuers have shortened the grace period or eliminated it altogether even if you always pay your account in full.

Local Companies

Chase Bank
(718) 478-1503
3770 82nd St
Jackson Heights, NY
Capital One
212-233-8530
176 Broadway
New York, NY
Capital One
718-428-7100
248-40 Northern Blvd
Little Neck, NY
TD Bank
(516) 377-2660
2260 Merrick Road
Merrick, NY
Wells Fargo - Cross County
914-963-8705
10 Xavier Dr
Yonkers, NY
HSBC Bank
1.800.975.HSBC (4722)
Corner Of S.Longbeach Rd 215 W. Merrick Rd.
Freeport, NY
Chase Bank
(718) 585-1082
76 E 161st St
Bronx, NY
Capital One
718-831-5590
257-03 Hillside Ave
Floral Park, NY
TD Bank
(212) 280-0756
300 W 125th Street
New York City, NY
Bank of America - East Rockaway
800.432.1000
40 Main St
East Rockaway, NY

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Pitfalls to Avoid When Shopping for Credit Cards

Individually, these may add up to only a few dollars each month, but collectively, they can add up to a substantial expense, especially over time or if you have numerous credit cards.

Most credit card issuers offer a 25 day grace period in which to pay for new purchases without incurring finance charges if you pay your balance in full each month. Some issuers have shortened the grace period or eliminated it altogether even if you always pay your account in full. You may be paying interest on most or all of your purchases.

Pay Monthly Credit Card Balance in Full

When you carry a balance from month to month, there is no grace period on new purchases with most cards. The grace period where no finance charges accrue only applies if you pay your balance in full each month.

Some card issuers charge two months of interest for the first month you fail to pay your balance in full. This occurs when you switch from paying in full to carrying a balance from month to month.

Most card issuers charge interest from the day a charge is posted to your account if you don't pay your account in full each month. Some, however, charge interest from the date of the purchase, often several days before they have paid the merchant on your behalf!

You may be paying $50 a year or more as an annual fee on your credit card. You may also be subject to finance charges of over 18 percent. Most credit card issuers will lower fees and/or interest rates for good customers in order to retain their business. It doesn't cost anything to ask!.


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