Paying With Plastic White Plains 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
(212) 690-5310
3515 Broadway
New York, NY
Chase Bank
(914) 232-3166
140 Katonah Ave
Katonah, NY
TD Bank
201-986-2815
876 Kinderkamack Road
River Edge, NJ
Bank of America - Old Greenwich
800.432.1000
206 Sound Beach Ave
Old Greenwich, CT
Bank of America - Oyster Bay
800.432.1000
157 South St
Oyster Bay, NY
HSBC Bank
1.800.975.HSBC (4722)
34 Popham Rd
Scarsdale, NY
Chase Bank
(718) 460-2032
32-45 Francis Lewis Blvd
Flushing, NY
Chase Bank
(914) 376-0146
92 Main St
Yonkers, NY
Bank of America - 86th & Lexington Ave BC
646.264.0197
1275 Lexington Avenue
New York, NY
Bank of America - Greystone
800.432.1000
176 Roberts Ave
Yonkers, NY

Provided by:

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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