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
(914) 576-2100
105 Pelham Rd
New Rochelle, NY
Capital One
718-835-6686
114-19 Liberty Ave
Richmond Hill, NY
Bank of America - East Farmingdale
800.432.1000
96a Allen Boulevard
East Farmingdale, NY
Bank of America - Syosset
800.432.1000
18 Jackson Ave
Syosset, NY
Wells Fargo - Park & 40Th
917-332-3620
99 Park Ave
New York, NY
HSBC Bank
1.800.975.HSBC (4722)
4395 White Plains Road
Bronx, NY
Capital One
718-831-5590
257-03 Hillside Ave
Floral Park, NY
Capital One
347-464-3757
5001 Fifth Ave
Brooklyn, NY
Bank of America - Springfield Gardens
800.432.1000
21602 Merrick Blvd
Springfield Gardens, NY
Citizens Bank - Yonkers SS
914-965-4082
111 Vredenberg Ave. Xavier Dr.
Yonkers, 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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