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

Chase Bank
(845) 221-2881
817 Rte 82
Hopewell Junction, NY
TD Bank
(845) 429-2164
82 S Liberty Drive
Stony Point, NY
TD Bank
845-928-2332
260 Route 32
Central Valley, NY
Wells Fargo - Pleasantville
914-769-5650
44 Washington Ave
Pleasantville, NY
Wells Fargo - Hartsdale
914-948-3020
401 N Central Ave
Hartsdale, NY
Chase Bank
(914) 592-9432
1150 Knollwood Rd
White Plains, NY
Chase Bank
(914) 428-3536
107 Lake St
White Plains, NY
Bank of America - Pound Ridge
800.432.1000
73 Westchester Ave
Pound Ridge, NY
Bank of America - Mount Kisco
914.242.0371
35 South Moger Avenue
Mount Kisco, NY
Citizens Bank - Ossining SS
914-945-7181
246 South Highland Ave.
Ossining, 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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