Paying With Plastic Yorktown Heights 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)
Jefferson Valley Mall 650 Lee Blvd
Yorktown Heights, NY
Bank of America - Hope St
800.432.1000
898 Hope St
Stamford, CT
Wells Fargo - Nyack
845-358-1400
155 Main St
Nyack, NY
Bank of America - Springvale
914.737.7100
2042 Albany Post Rd
Croton-on-Hudson, NY
Wells Fargo - Armonk
914-273-8282
490 Main St
Armonk, NY
HSBC Bank
1.800.975.HSBC (4722)
Across- Clocktower Common 1505 Rt 22
Brewster, NY
TD Bank
(914) 944-1593
174 S Highland Avenue
Ossining, NY
Wells Fargo - Cold Spring
845-265-9261
41 Chestnut St
Cold Spring, NY
Citizens Bank - West Haverstraw
845-429-4200
26 South Route 9W
W. Haverstraw, NY
Wells Fargo - Croton
914-271-6216
50 Maple St
Croton On Hudson, 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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