Paying With Plastic Massena 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)
Diagonal From Post Office 14 Elm St
Potsdam, NY
NBT Bank - Norfolk Branch
800-628-2265
53 West Main Street
Norfolk, NY
HSBC - Massena Branch
1.800.975.4722
16 Phillips Street
Massena, NY
Community Bank - Madrid Branch
Your local branch. (See site.)
3748 County Route 14
Madrid, NY
Community Bank - Potsdam - May Road Branch
Your local branch. (See site.)
Route 56 And May Road
Potsdam, NY
HSBC Bank
1.800.975.HSBC (4722)
Next To Peets Jewelers 16 Phillips St
Massena, NY
NBT Bank - Massena Branch
800-628-2265
264 Main Street
Massena, NY
NBT Bank - Potsdam Branch
800-628-2265
6554 State Highway 56
Potsdam, NY
Community Bank - Waddington Branch
Your local branch. (See site.)
1 Main Street
Waddington, NY
Community Bank - Massena Branch
Your local branch. (See site.)
121 Main Street
Massena, 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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