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) 320-2018
675 Co Op City Blvd
Bronx, NY
Chase Bank
(718) 740-4000
224-05 Jamaica Ave
Queens Village, NY
Capital One
914-664-4900
22 East First St
Mount Vernon, NY
TD Bank
(212) 533-6036
260 Park Avenue S
New York City, NY
Wells Fargo - Ardsley
914-693-3663
921 Saw Mill River Rd
Ardsley, NY
HSBC Bank
1.800.975.HSBC (4722)
Morris Ave & Sunrise Hwy 330 Sunrise Highway
Rockville Centre, NY
Chase Bank
(914) 683-8506
353 N Central Ave
Hartsdale, NY
Capital One
516-466-6271
121 Middle Neck Road
Great Neck, NY
Capital One
718-892-4410
3780 East Tremont Avenue
Bronx, NY
TD Bank
(973) 338-1695
1476 Broad Street (Broad Street Extension)
Bloomfield, NJ

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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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