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) 261-4060
12422 Queens Blvd
Kew Gardens, NY
Chase Bank
(212) 495-1085
45 Wall St
New York, NY
Capital One
516-741-5800
225 Glen Cove Rd
Carle Place, NY
Bank of America - Woodbine
800.432.1000
235 Woodbine Street
Bergenfield, NJ
Bank of America - Stiles Street
800.432.1000
821 North Stiles Street
Linden, NJ
Chase Bank
(718) 740-6075
205-19 Hillside Ave
Hollis, NY
Chase Bank
(914) 722-0409
676 White Plains Rd
Scarsdale, NY
Capital One
201-436-9056
175 Avenue A
Bayonne, NJ
Wells Fargo - Seventh & 17Th Street
212-488-5180
120 7Th Ave
New York, NY
Bank of America - Upper Montclair
800.432.1000
560 Valley Rd
Upper Montclair, 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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