Paying With Plastic Valley Stream 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
(718) 620-1806
1051 Westchester Ave
Bronx, NY
Capital One
201-420-2890
201 Newark Ave
Jersey City, NJ
TD Bank
(718) 499-2913
269 5th Avenue
Park Slope, NY
TD Bank
516-767-0496
475 Port Washington Boulevard
Port Washington, NY
Bank of America - Rosedale
800.432.1000
24142 S. Conduit Ave
Rosedale, NY
HSBC Bank
1.800.975.HSBC (4722)
Sunrise Hwy / Merrick Rd. 15 Atlantic Ave
Lynbrook, NY
Capital One
516-239-1480
2025 Park St
Atlantic Beach, NY
Capital One
516-485-3301
611 Hempstead Tpke
West Hempstead, NY
Bank of America - Broadway/East 8th Street
212.253.2718
770 Broadway
New York, NY
Bank of America - East Rockaway
800.432.1000
40 Main St
East Rockaway, 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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