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) 454-6000
187-08 Horace Harding Expwy
Fresh Meadows, NY
TD Bank
(718) 847-6547
116-24 Metropolitan Avenue
Richmond Hill, NY
TD Bank
201-313-5201
410 Fairview Avenue
Fairview, NJ
Wells Fargo - Ninth Avenue & 15Th Street
646-336-0300
66 9Th Ave
New York, NY
TD Bank
973-595-7076
418 Belmont Avenue
Haledon, NJ
Chase Bank
(212) 477-0550
109 Delancey St
New York, NY
Chase Bank
(914) 899-5990
101 Mamaroneck Ave
Mamaroneck, NY
TD Bank
(718) 319-1037
3755 E Tremont Avenue
Bronx, NY
Wells Fargo - Great Neck
516-466-1550
20 Great Neck Rd
Great Neck, NY
Bank of America - Boro Park
718.404.0768
4701 13th Avenue
Brooklyn, 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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