Paying With Plastic Elmira 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)
Hanover Square 309 S Main St
Horseheads, NY
HSBC Bank
1.800.975.HSBC (4722)
Franklin & Eighth Street 712 N Franklin St
Watkins Glen, NY
Citizens Bank - Consumer Square/Tops
607-796-2217
830 County Rd 64
Elmira, NY
HSBC - Waverly Branch
1.800.975.4722
245 Broad Street
Waverly, NY
M&T Bank - Painted Post Branch
(800) 724-2440
109 West Water Street
Painted Post, NY
HSBC Bank
1.800.975.HSBC (4722)
Middle Of Town 217 Prescott Ave
Elmira Heights, NY
HSBC Bank
1.800.975.HSBC (4722)
Chemung Co. Court House 150 Lake St
Elmira, NY
HSBC Bank
1.800.975.HSBC (4722)
Historic Downtown Waverly 245 Broad St
Waverly, NY
Serv-U Credit Union
(607) 936-4615
77 Victory Hwy
Painted Post, NY
Community Bank - Corning North Branch
Your local branch. (See site.)
331 West Pulteney Street
Corning, 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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