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) 462-1500
48 Vassar Rd
Poughkeepsie, NY
TD Bank
(845) 429-2164
82 S Liberty Drive
Stony Point, NY
TD Bank
845-297-4127
1850 S Road
Wappingers Falls, NY
Citizens Bank - Vails Gate
845-562-1510
406 Route 32
Vails Gate, NY
Wells Fargo - Peekskill
914-737-3100
920 South St
Peekskill, NY
HSBC Bank
1.800.975.HSBC (4722)
Across From Chilis Routes 6 & 118
Baldwin Place, NY
TD Bank
(845) 354-0390
81 W Ramapo Road
Garnerville, NY
Bank of America - North Plank Rd
800.432.1000
86 North Plank Rd
Newburgh, NY
Citizens Bank - Middletown / Wal-Mart
845-343-0738
470 Route 211 E
Middletown, NY
Bank of America - Springvale
914.737.7100
2042 Albany Post Rd
Croton-on-Hudson, 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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