How Long is the Credit Card Grace Period?

The credit card grace period is the number of days you have to pay your credit card bill in full without having to pay interest. For instance, a credit card company may say that you have “25 days from the statement date, provided you paid your previous balance in full by the due date.” The statement date can be found on your credit card bill.When you apply for a new card, be sure to include this point in your credit card comparisons . Knowing the length of your card's grace period can save you money in late fees.

Generally, the grace period applies only to new purchases. Most credit cards start charging interest on balance transfers and cash advances right away. Credit card checks are usually treated as cash advances, meaning that interest applies as soon as they clear.

When you carry a balance from month to month, you may not have a credit card grace period for your new purchases. Instead, you may be charged interest as soon as you make a purchase (in addition to being charged interest on the earlier balance you have not paid off). Look on the in the disclosure box or under the terms and conditions for information about the “method of computing the balance for purchases” to see if new purchases are included or excluded.

If you carry a balance on the cards you already own, ask about your credit card grace period with your bank's customer service. Knowledge about the length of the grace period may help you decide how you wish to pay your bills.

 

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