Paying With Plastic Long Island City 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
551-497-5330
419 Market Street
Saddle Brook, NJ
TD Bank
(201) 288-4074
109 Boulevard
Hasbrouck Heights, NJ
Bank of America - Fair Lawn
201.421.2861
13-14 River Road
Fair Lawn, NJ
Wells Fargo - Dumont
201-712-3052
2 W Madison Ave
Dumont, NJ
Bank of America - Hudson Mall
800.432.1000
701 Hwy 440
Jersey City, NJ
HSBC Bank
1.800.975.HSBC (4722)
Corner Of Cedar Street 120 Broadway
New York, NY
TD Bank
(718) 616-2200
2700 Coney Island Avenue
Brooklyn, NY
Bank of America - Fort Lee Main
201.302.0921
154 Main Street
Fort Lee, NJ
Bank of America - Summit & Essex
201.489.8271
360 Essex St
Hackensack, NJ
Wells Fargo - Broadway & 10Th
212-677-5693
784 Broadway
New York, 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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