Paying With Plastic Springfield Gardens 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

HSBC Bank
1.800.975.HSBC (4722)
48Th Street & 3Rd Ave 777 3Rd Ave
New York, NY
Chase Bank
(516) 489-2218
565 Hempstead Tpke
West Hempstead, NY
Capital One
718-373-5513
504 Neptune Ave
Brooklyn, NY
Bank of America - 808 Columbus Avenue
212.328.0004
808 Columbus Avenue
New York, NY
Bank of America - Harmon Meadow
800.432.1000
700 Plaza Drive
Secaucus, NJ
HSBC Bank
1.800.975.HSBC (4722)
Wshngtn Brdg Plz Shop Ctr 2151 Lemoine Ave
Fort Lee, NJ
Chase Bank
(914) 738-5107
35 Fifth Ave
Pelham, NY
Capital One
718-379-3222
725 Co Op City Blvd
Bronx, NY
Bank of America - Lexington Avenue/75th Street
212 774.1883
1066 Lexington Avenue
New York, NY
Bank of America - Park Slope
718.788.1367
534 Fifth Avenue
Brooklyn, 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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