Paying With Plastic Nanuet 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) 244-0307
777 N Bedford Rd
Bedford Hills, NY
Capital One
914-235-9292
200 Fifth Ave
Pelham, NY
Bank of America - Bergenfield- Legion
201.387.1083
35 Legion Dr
Bergenfield, NJ
Citizens Bank - Ossining SS
914-945-7181
246 South Highland Ave.
Ossining, NY
Bank of America - Wayne
973.790.6809
709 Hamburg Tpke
Wayne, NJ
HSBC Bank
1.800.975.HSBC (4722)
3478 Boston Road
Bronx, NY
Chase Bank
(914) 631-0186
360 S Broadway
Tarrytown, NY
Capital One
973-473-6000
129 Main Ave
Passaic, NJ
TD Bank
201-337-1421
160 Ramapo Valley Road
Oakland, NJ
Bank of America - Paterson - Main Street
973.278.0904
190 Main Street
Paterson, 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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