Paying With Plastic Suffern 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
(845) 429-6051
56 W Ramapo Rd
Garnerville, NY
Bank of America - A&P - Woodcliff Lake
800.432.1000
522 Chestnut Ridge Rd
Woodcliff Lake, NJ
TD Bank
845-357-0548
61 Route 59
Suffern, NY
Wells Fargo - Cross County
914-963-8705
10 Xavier Dr
Yonkers, NY
Wells Fargo - Bloomingdale
973-838-1104
115 Main St
Bloomingdale, NJ
TD Bank
(201) 891-9200
814 Wyckoff Avenue
Mahwah, NJ
Wells Fargo - Ridgewood North Walnut
201-445-4440
41 N Walnut St
Ridgewood, NJ
Bank of America - Closter
800.432.1000
15 Vervalen St
Closter, NJ
Bank of America - Scarsdale - Christie Place
914.597.7460
100 Christie Place
Scarsdale, NY
Bank of America - Clifton
973.779.1880
1045 Clifton Ave
Clifton, 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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