Paying With Plastic Beacon 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

HSBC Bank
1.800.975.HSBC (4722)
Jefferson Valley Mall 650 Lee Blvd
Yorktown Heights, NY
Chase Bank
(845) 782-8151
845 Rte 17m, Ste 10
Monroe, NY
Bank of America - Montgomery
800.432.1000
21 Union St
Montgomery, NY
Bank of America - Springvale
914.737.7100
2042 Albany Post Rd
Croton-on-Hudson, NY
Citizens Bank - Somers SS
914-621-3150
80 Route 6
Baldwin Place, NY
HSBC Bank
1.800.975.HSBC (4722)
Across- Clocktower Common 1505 Rt 22
Brewster, NY
Chase Bank
(845) 897-2104
15 Merritt Blvd
Fishkill, NY
Bank of America - Meadow Hill
800.432.1000
1414 Route 300
Newburgh, NY
Citizens Bank - Wappinger Falls / SS
845-298-9468
1357 Rt 9
Wappinger Falls, NY
Wells Fargo - Shrub Oak
914-528-7007
1342 E Main St
Shrub Oak, 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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