Paying With Plastic Hollis 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
516-569-1531
1295 Broadway
Hewlett, NY
Capital One
201-420-2950
4714 Park Ave
Weehawken, NJ
Bank of America - Fifth Avenue Branch
212.852.8870
592 Fifth Ave
New York, NY
Bank of America - Journal Square
800.432.1000
12 Path Plaza
Jersey City, NJ
Bank of America - Woodlawn Heights
800.432.1000
4361 Katonah Ave
Bronx, NY
HSBC Bank
1.800.975.HSBC (4722)
Between 77Th & 78Th St 1002 Madison Ave.
New York, NY
Capital One
347-464-3757
5001 Fifth Ave
Brooklyn, NY
TD Bank
(212) 354-6061
1120 Avenue of the Americas
New York City, NY
Bank of America - Jamaica and Sutphin
347.592.2940
90-53 Sutphin Boulevard
Jamaica, NY
Bank of America - Sheepshead Bay
800.432.1000
1415 Ave Z
Brooklyn, 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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