Paying With Plastic Kingston 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
(845) 471-2030
2586 S Rd
Poughkeepsie, NY
Bank of America - New Paltz
800.432.1000
1 New Paltz Plaza
New Paltz, NY
Bank of America - Rosendale
800.432.1000
1066 Route 32
Rosendale, NY
Citizens Bank - Ulster
845-336-7920
1300 Ulster Ave. Suite 110
Kingston, NY
Citizens Bank - Highland
845-691-8101
3650 US Highway 9W
Highland, NY
HSBC Bank
1.800.975.HSBC (4722)
Across From Key Foods 1609 Main Street
Pleasant Valley, NY
Chase Bank
(845) 462-1500
48 Vassar Rd
Poughkeepsie, NY
Bank of America - Ulster Avenue
800.432.1000
1343 Ulster Ave
Kingston, NY
Bank of America - Woodstock
800.432.1000
81 Mill Hill Rd
Woodstock, NY
TD Bank
845-431-6300
21 Market Street
Poughkeepsie, 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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