Paying With Plastic Watervliet 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

Citizens Bank - Schenectady
518-370-7070
501 State Street
Schenectady, NY
Citizens Bank - Empire Plaza NY
518-434-4186
Concourse Level
Albany, NY
Citizens Bank - New Loudon Rd/Price Chopper
518-783-2151
873 New Loudon Rd.
Latham, NY
Bank of America - Westmere
800.432.1000
1791 Western Ave
Albany, NY
William Mack, ChFC, CLU, LTCP
1574 Union Street
Schenectady, NY
HSBC Bank
1.800.975.HSBC (4722)
Colonie Center/Sand Creek 95 Wolf Rd
Albany, NY
Citizens Bank - Halfmoon / Wal-Mart
518-373-2339
1549 Route 9
Halfmoon, NY
Citizens Bank - Slingerlands
518-478-9579
1375 New Scotland Road
Slingerlands, NY
Bank of America - Mechanicville
800.432.1000
1 South Main St
Mechanicville, NY
Bruce Gaynor
6 Tower Place
Albany, 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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