Paying With Plastic New City 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) 941-3700
21 Spring Streeet
Ossining, NY
Chase Bank
(914) 631-0186
360 S Broadway
Tarrytown, NY
TD Bank
201-641-2157
245 Main Street
Ridgefield Park, NJ
Bank of America - Perry Ave
800.432.1000
299 E 204th St
Bronx, NY
Citizens Bank - White Plains SS
914-949-5016
154 Westchester Ave.
White Plains, NY
HSBC Bank
1.800.975.HSBC (4722)
Across From High School 1043 West Boston Post Rd
Mamaroneck, NY
Chase Bank
(914) 939-7901
150 S Ridge St
Rye Brook, NY
TD Bank
(201) 670-1008
133 Franklin Avenue
Ridgewood, NJ
Bank of America - Ho-Ho-Kus
800.432.1000
1 Orvil Court
Ho-Ho-Kus, NJ
Bank of America - Woodlawn Heights
800.432.1000
4361 Katonah Ave
Bronx, 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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