Paying With Plastic Flushing 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) 740-6075
205-19 Hillside Ave
Hollis, NY
Chase Bank
(212) 489-1991
787 7th Ave
New York, NY
Capital One
516-798-2420
4374 Sunrise Highway
Massapequa, NY
Wells Fargo - Broadway & 56Th
212-424-2660
1755 Broadway
New York, NY
Bank of America - East Yonkers
800.432.1000
766 Yonkers Ave
Yonkers, NY
Chase Bank
(212) 961-2050
2824-26 Broadway
New York, NY
Chase Bank
(201) 261-5514
417 Kinderkamack Rd
Oradell, NJ
Capital One
718-431-2980
4612 13Th Ave
Brooklyn, NY
TD Bank
201-767-5368
435 Livingston Street
Norwood, NJ
Bank of America - Jackson Heights
347.665.0952
37-41 82nd Street
Jackson Heights, 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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