Paying With Plastic Forest Hills 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

Capital One
516-433-1666
570 Stewart Ave
Bethpage, NY
Wells Fargo - Englewood
201-712-3067
44 Engle St
Englewood, NJ
Bank of America - Long Island City - Jackson Avenue
347.536.3320
24-10 Jackson Avenue
Long Island City, NY
Bank of America - Lindenwood Village
800.432.1000
15116 84th St
Howard Beach, NY
TD Bank
973-284-1777
277 Franklin Avenue
Nutley, NJ
HSBC Bank
1.800.975.HSBC (4722)
Under Elevated 7 Train 2215 43Rd Avenue
Long Island City, NY
Capital One
516-671-9700
115 Forest Ave
Glen Cove, NY
Wells Fargo - Fort Lee Inwood
201-947-8900
1365 Inwood Ter
Fort Lee, NJ
TD Bank
646-497-0621
880 3rd Avenue
New York City, NY
Bank of America - McLean Ave
914.776.6400
928 McLean Ave
Yonkers, 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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