Paying With Plastic Fresh Meadows 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) 820-0412
15617 73rd Ave
New York, NY
TD Bank
(516) 569-4828
516 E Central Avenue
Central Islip, NY
Bank of America - Lenox Gardens
212.662.0102
106 West 117th Street
New York, NY
Bank of America - 1580 Flatbush
718.338.3948
1580 Flatbush Avenue
Brooklyn, NY
Bank of America - Harmon Meadow
800.432.1000
700 Plaza Drive
Secaucus, NJ
Chase Bank
(914) 699-3521
511 Gramatan Ave
Mount Vernon, NY
Capital One
718-468-7800
73-16 Bell Blvd
Bayside, NY
TD Bank
201-242-1371
303 Broad Avenue
Palisades Park, NJ
Citizens Bank - East Meadow SS
516-520-4120
2425 Hempstead Turnpike
East Meadow, NY
Bank of America - East Yonkers
800.432.1000
766 Yonkers 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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