Paying With Plastic Ridgewood 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
(516) 825-0132
111 Main St
East Rockaway, NY
Capital One
201-420-2940
301 Washington Street
Hoboken, NJ
Capital One
973-735-0120
487 Springfield Ave
Newark, NJ
Bank of America - Downtown
800.432.1000
186 Newark Ave
Jersey City, NJ
Wells Fargo - Broadway & 85Th
917-441-3271
2330 Broadway
New York, NY
HSBC Bank
1.800.975.HSBC (4722)
Near Lirr Station 125 Cedarhurst Ave.
Cedarhurst, NY
Chase Bank
(516) 295-3200
1000 Railroad Ave
Woodmere, NY
Capital One
201-420-2700
35 Journal Square
Jersey City, NJ
Bank of America - 335 Madison Avenue
212.260.0780
335 Madison Avenue
New York, NY
Wells Fargo - Cross County
914-963-8705
10 Xavier Dr
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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