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
(212) 410-2310
126 E 86th St
New York, NY
TD Bank
(973) 423-0011
617 Lafayette Avenue
Hawthorne, NJ
Bank of America - Co-Op City
718.320.1359
2136 Bartow Ave.
Bronx, NY
Bank of America - Hasbrouck Heights
800.432.1000
152 Boulevard
Hasbrouck Heights, NJ
Wells Fargo - Harrison
914-777-4010
291 Halstead Ave Ste 293
Harrison, NY
HSBC Bank
1.800.975.HSBC (4722)
Near Lirr Station 125 Cedarhurst Ave.
Cedarhurst, NY
TD Bank
(212) 608-5034
258 Broadway
New York City, NY
TD Bank
201-594-0991
450 Hillsdale Avenue
Hillsdale, NJ
Bank of America - Hillside
800.432.1000
1600 Hillside Ave
New Hyde Park, NY
Bank of America - Ridgefield Park
800.432.1000
264 Main Street
Ridgefield Park, NJ

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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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