Paying With Plastic Ithaca 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

HSBC Bank
1.800.975.HSBC (4722)
Across From Ithaca Mall 2315 N Triphammer Rd
Ithaca, NY
Bank of America - Ithaca Commons
607.274.4860
202 the Commons
Ithaca, NY
Citizens Bank - Ithaca
607-272-3731
408 Elmira Avenue
Ithaca, NY
Citizens Bank - Cortland / Tops
607-756-2436
3932 State Rt 281
Cortland, NY
Bank of America - Ithaca South Branch
1-800-432-1000
304 Elmird Road
Ithaca, NY
HSBC Bank
1.800.975.HSBC (4722)
Main Street - Downtown 36 Main St
Cortland, NY
Bank of America - Ithaca South
607.272.2407
304 Elmira Rd
Ithaca, NY
Citizens Bank - N. Triphammer/Tops
607-257-3322
2300 N. Triphammer Rd
Ithaca, NY
Citizens Bank - Ithaca Tops
607-277-8500
710 South Meadow Street
Ithaca, NY
Bank of America - Groton Avenue
800.432.1000
1094 Hwy 222
Cortland, 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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