Paying With Plastic Utica 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)
New Hartford Shopping Ctr 1 N Hartford Shopping Ctr
New Hartford, NY
Citizens Bank - Whitesboro
315-736-0106
89 Oriskany Boulevard
Whitesboro, NY
Citizens Bank - Herkimer
315-866-3290
324 Prospect Street
Herkimer, NY
Bank of America - Utica Business Park
800.432.1000
133 Business Park Drive
Utica, NY
Bank of America
800.432.1000
911 Cornelia St
Utica, NY
HSBC Bank
1.800.975.HSBC (4722)
Mohawk Shopping Plaza 1708 Black River Blvd N
Rome, NY
HSBC Bank
1.800.975.HSBC (4722)
Colonial Shopping Ctr 131 Oriskany Blvd
Whitesboro, NY
Citizens Bank - Utica Downtown
315-797-2150
266 Genesee Street
Utica, NY
Bank of America - Genesee Street
800.432.1000
268 Genesee St
Utica, NY
Bank of America - North Utica
800.432.1000
50 Auert Ave
Utica, 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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