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
(914) 941-3700
21 Spring Streeet
Ossining, NY
Capital One
201-567-6700
Palisades Ct 44 Nathaniel Pl
Englewood, NJ
Bank of America - Hawthorne
800.432.1000
364 Lafayette Ave
Hawthorne, NJ
Wells Fargo - Monsey
845-352-3300
154 Route 59
Monsey, NY
Wells Fargo - Thornwood
914-769-7500
962 Broadway
Thornwood, NY
HSBC Bank
1.800.975.HSBC (4722)
West Point (Usma) 195 Main St
Highland Falls, NY
Chase Bank
(914) 428-1701
45 Aqueduct Rd
White Plains, NY
TD Bank
201-891-2042
690 Wyckoff Avenue
Wyckoff, NJ
Bank of America - Ridgewood
800.432.1000
25 N. Maple Ave
Ridgewood, NJ
Citizens Bank - West Haverstraw SS
845-786-8980
45 S Route 9W
W. Haverstraw, 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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