Paying With Plastic Ossining 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
(203) 967-0451
2169 Summer St
Stamford, CT
Chase Bank
(914) 961-2918
62 Main St
Tuckahoe, NY
Capital One
914-946-9600
9 Mamaroneck Ave
White Plains, NY
Bank of America - Scarsdale
800.432.1000
1140 Wilmot Rd
Scarsdale, NY
Bank of America - Forest
800.432.1000
42 Forest St
New Canaan, CT
Chase Bank
(845) 353-4570
20 N Broadway
Nyack, NY
Chase Bank
(203) 637-4516
1150 E Putnam Ave
Riverside, CT
Capital One
914-925-6701
57 Purchase St
Rye, NY
Wells Fargo - Woodcliff Lake
201-712-4962
485 Chestnut Ridge Rd
Woodcliff Lake, NJ
Bank of America - Greystone
800.432.1000
176 Roberts Ave
Yonkers, 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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