Paying With Plastic New Windsor 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
(845) 429-6051
56 W Ramapo Rd
Garnerville, NY
Chase Bank
(845) 562-9400
201 Auto Park Pl
Newburgh, NY
Wells Fargo - New Paltz
845-255-6600
29 Main St
New Paltz, NY
Citizens Bank - Newburgh/Wal-Mart
845-567-1380
1201 Route 300
Newburgh, NY
TD Bank
845-928-2332
260 Route 32
Central Valley, NY
HSBC Bank
1.800.975.HSBC (4722)
West Point (Usma) 195 Main St
Highland Falls, NY
Chase Bank
(845) 294-6116
252 Main St
Goshen, NY
TD Bank
(845) 429-2164
82 S Liberty Drive
Stony Point, NY
Citizens Bank - Vails Gate
845-562-1510
406 Route 32
Vails Gate, NY
Wells Fargo - Fishkill
845-897-9623
1098 Main St
Fishkill, 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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