Paying With Plastic Maspeth 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)
Kimball Ave, Mcdonalds 1098 Yonkers Ave
Yonkers, NY
Chase Bank
(718) 740-4000
224-05 Jamaica Ave
Queens Village, NY
Chase Bank
(201) 568-2876
115 County Rd
Tenafly, NJ
Capital One
516-485-3301
611 Hempstead Tpke
West Hempstead, NY
TD Bank
973-744-8347
604 Valley Road
Upper Montclair, NJ
HSBC Bank
1.800.975.HSBC (4722)
682 Dogwood Ave.
Franklin Square, NY
Chase Bank
(718) 423-3203
252-34 Northern Blvd
Little Neck, NY
Chase Bank
(516) 621-0157
1345 Old Northern Blvd
Roslyn, NY
Capital One
718-238-4901
7110 5Th Ave
Brooklyn, NY
Bank of America - Oradell
800.432.1000
420 Kinderkamack Rd
Oradell, NJ

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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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