Paying With Plastic Monsey 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)
Wendy'S Restaurant 16 Route 303
Tappan, NY
Capital One
201-847-2482
840 Franklin Ave
Franklin Lakes, NJ
Capital One
845-268-5101
15 Lake Ridge Plaza Route 303
Valley Cottage, NY
Wells Fargo - Fort Lee Lemoine
201-947-0700
2011 Lemoine Ave
Fort Lee, NJ
TD Bank
973-256-1512
70 Main Street
Little Falls, NJ
HSBC Bank
1.800.975.HSBC (4722)
Next To C-Town Food Store 356 Whiteplains Rd
Eastchester, NY
Chase Bank
(914) 244-0307
777 N Bedford Rd
Bedford Hills, NY
Capital One
201-651-0137
14 Post Road
Oakland, NJ
TD Bank
201-843-5369
102 S Paramus Road
Paramus, NJ
Bank of America - Ramsey
800.432.1000
76 East Main St
Ramsey, 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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