Paying With Plastic Mahopac 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
(914) 232-3166
140 Katonah Ave
Katonah, NY
Chase Bank
(203) 438-3410
92-98 Grove St
Ridgefield, CT
Wells Fargo - Danbury Main
203-790-6095
210 Main St
Danbury, CT
Citizens Bank - Wappinger Falls / SS
845-298-9468
1357 Rt 9
Wappinger Falls, NY
Citizens Bank - Newburgh/Wal-Mart
845-567-1380
1201 Route 300
Newburgh, NY
HSBC Bank
1.800.975.HSBC (4722)
108 Danbury Rd
Ridgefield, CT
Chase Bank
(845) 878-4314
3112 Route 22
Patterson, NY
Wells Fargo - Danbury North Street Shopping Center
203-748-2123
1 Padanaram Rd
Danbury, CT
Wells Fargo - Poughkeepsie
845-297-4657
1863 South Rd
Wappingers Falls, NY
Wells Fargo - Newburgh
845-565-2403
43 N Plank Rd
Newburgh, 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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