Paying With Plastic Staten Island 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

TD Bank
(718) 894-6218
7955 Metropolitan Avenue
Middle Village, NY
Wells Fargo - Jersey City Downtown
201-413-6607
101 Hudson St
Jersey City, NJ
Bank of America - Pathmark - Lackawanna
800.432.1000
35 Lackawanna Plaza
Montclair, NJ
Bank of America - Jefferson Avenue
800.432.1000
135 Jefferson Ave
Elizabeth, NJ
Bank of America - Gillette - Stirling
908.647.3700
1031 Valley Rd
Gillette, NJ
HSBC Bank
1.800.975.HSBC (4722)
2681 Broadway
New York, NY
TD Bank
201-239-8074
47 Newark Street
Holmdel, NJ
Bank of America - One Penn Plaza
646.458.0010
One Penn Plaza East
New York, NY
Bank of America - Hadley Center
800.432.1000
5001 Stelton Rd
South Plainfield, NJ
Bank of America - Maplewood Annex
800.432.1000
1040 Chancellor Ave
Maplewood, NJ

Provided by:

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!.


Click here to read the rest of the article at YoungMoney.com.

Related Articles
- Pay Day Loan Staten Island NY
Are you having difficulties paying a bill on time? Perhaps your electric bill is going to be due in four days and you won' t get your pay cheque until two days after that! Well, there are a number of things you can do.
- Credit Repair Self Help Staten Island NY
- Paying for College During a Recession Staten Island NY
- How to Get Out of Debt Staten Island NY
- Paying off Your Debt Staten Island NY
- Refinancing Home Mortgage Staten Island NY