Paying With Plastic Cortlandt Manor 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
(914) 591-7500
45-47 Main St
Irvington, NY
Chase Bank
(845) 357-1014
1 Airmont Rd
Tallman, NY
Chase Bank
(914) 946-6210
1 N Lexington Ave
White Plains, NY
TD Bank
845-896-2347
18 Westage Drive, Suite 15
Fishkill, NY
Bank of America - Yorktown Heights
914.962.7882
2 Triangle Center
Yorktown Heights, NY
HSBC Bank
1.800.975.HSBC (4722)
Rite Aid/Dough Boys 180 South Liberty Drive
Stony Point, NY
Chase Bank
(845) 735-4844
1 E Central Ave
Pearl River, NY
Chase Bank
(845) 358-2324
719 W Nyack Rd
West Nyack, NY
Wells Fargo - Glenville
203-622-8860
220 Glenville Rd
Greenwich, CT
Bank of America - Goldens Bridge
914.232.5137
130 North County Shopping Ctr
Goldens Bridge, 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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