Paying With Plastic Pearl River 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) 946-2640
566 N Broadway
White Plains, NY
Capital One
551-497-5330
419 Market Street
Saddle Brook, NJ
Bank of America - Mahwah
201.529.4670
210 Route 17 South
Mahwah, NJ
TD Bank
201-337-1421
160 Ramapo Valley Road
Oakland, NJ
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) 428-1701
45 Aqueduct Rd
White Plains, NY
Bank of America - Fair Lawn
201.421.2861
13-14 River Road
Fair Lawn, NJ
Wells Fargo - Paramus Linwood
201-251-4426
859 Route 17
Paramus, NJ
Bank of America - Dyckman Street & Broadway
718.838.7924
210 Dyckman Street
New York, 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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