Paying With Plastic Brewster 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
(203) 730-0504
111 Newtown Rd
Danbury, CT
Bank of America - Chappaqua
800.432.1000
91 S. Greeley Ave
Chappaqua, NY
TD Bank
845-297-4127
1850 S Road
Wappingers Falls, NY
Citizens Bank - Beacon
845-831-8100
364 Main Street
Beacon, NY
Bank of America - Mount Kisco
914.242.0371
35 South Moger Avenue
Mount Kisco, NY
Chase Bank
(203) 426-4513
259 S Main St
Newtown, CT
Chase Bank
(203) 762-3611
33 Old Ridgefield Rd
Wilton, CT
Citizens Bank - Brewster
845-279-6166
1515 Route 22 Ste. D-1
Brewster, NY
TD Bank
845-628-8576
915 S Lake Boulevard
Mahopac, NY
Wells Fargo - Fishkill
845-897-9623
1098 Main St
Fishkill, 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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