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

Capital One
973-661-0300
474 Franklin Ave
Nutley, NJ
Wells Fargo - Bogota
201-587-7471
75 W Main St
Bogota, NJ
Bank of America - Co-Op City
718.320.1359
2136 Bartow Ave.
Bronx, NY
Bank of America - Oradell
800.432.1000
420 Kinderkamack Rd
Oradell, NJ
TD Bank
845-426-1261
12 Spring Valley Marketplace
Spring Valley, NY
Chase Bank
(914) 899-5990
101 Mamaroneck Ave
Mamaroneck, NY
TD Bank
(973) 423-0011
617 Lafayette Avenue
Hawthorne, NJ
Wells Fargo - Dumont
201-712-3052
2 W Madison Ave
Dumont, NJ
Bank of America - Riverdale
718.548.2824
3508 Johnson Ave
Bronx, NY
Bank of America - Harmon Meadow
800.432.1000
700 Plaza Drive
Secaucus, NJ

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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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