Grace Periods

Q: What is a grace period?

• For a credit card, a "grace period" is the number of days from the time your purchase is posted to the credit issuer to the date you can pay for the purchase without interest charges. Most cards have a grace period of 20 to 25 days.

• If you fail to pay your complete balance in any month, there is usually no grace period for purchases until you again pay off your balance in full. When you owe a balance, interest is charged as soon as the purchase is posted to the credit issuer.

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