Paying With Plastic Whitestone 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)
Route 135 603 Jericho Turnpike
Syosset, NY
Capital One
516-483-2541
369 Merrick Ave
East Meadow, NY
Wells Fargo - Larchmont Boston Post
914-834-2090
2065 Boston Post Rd
Larchmont, NY
Wells Fargo - Jersey City Newport
201-795-7239
145 Thomas Gangemi Dr
Jersey City, NJ
Bank of America
800.432.1000
300 Garden State Plaza
Paramus, NJ
HSBC Bank
1.800.975.HSBC (4722)
Corner Of Grand & Allen 307 Grand Street
New York, NY
Chase Bank
(914) 699-0380
156 Mt Vernon Ave
Mount Vernon, NY
Capital One
718-353-6460
29-40 Union St
Flushing, NY
Bank of America - Kearny
201.997.1609
240 Kearny Avenue
Kearny, NJ
Wells Fargo - Port Washington
516-883-8311
19 Soundview Market Pl
Port Washington, 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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