Rockin Robin SongFlying The Web For News.





Consumer News

What Is A Credit Card Grace Period? - Billing Advice

A credit card is somewhat of a double-edged sword by nature. It can help its holder accumulate rewards — like cash back points or travel miles — and break up large purchases into more manageable payments as needed. But it can also serve as a gateway to debt, thanks to its revolving nature and high interest rates.

Knowing how to use credit effectively can help you maximize the benefits you get from your card and minimize the downsides. A great example here is knowing how to take advantage of credit card grace periods.

Here’s more.

What Is A Credit Card Grace Period?

Photo By Pixabay

How Credit Card Grace Periods Work

When you receive a credit card bill in the mail or online, you’ll notice the actual billing period is for a range of dates from the past. That’s because credit does not work in real time; there’s a lag between when a billing cycle ends and when your payment comes due. As NerdWallet notes, creditors must provide cardholders their statements at least 21 days before the bill is due, although some offer a longer time frame between billing and requiring payment. You may even be able to lengthen this timeframe by requesting a due date later in the month, depending on your lender.

This window of time is known as the grace period because you won’t have to pay any interest on your purchases during this time. Cardholders able to pay off their entire balances during this grace period won’t have to deal with interest accruing on their accounts.

It's important to note not all credit cards have a grace period — and that this interest-free window generally applies to purchases only, not balance transfers for cash advances.

What Happens If You Carry a Balance?

Carrying a balance past the end of the grace period means you will start accumulating interest charges — and failing to make at least the minimum payment due will tack on late fees, too. It’s also worth noting carrying a balance may essentially cancel your grace period until you meet certain criteria, like paying off your bill in full for two billing cycles in a row. You’ll have to refer to your cardholder agreement to learn the exact terms of your grace period and how to reinstate it.

Credit card interest can be a very tough adversary to vanquish — just ask anyone who’s ever had to undergo debt settlement or bankruptcy to tackle it. Many Freedom Debt Relief reviews contain a similar story: A cardholder gradually fell behind on payments and got swamped by the interest continually accumulating in the background until they had no feasible way to pay it down on their own.

Given the average credit card interest rate hovers around 20 percent, it’s important to understand credit card grace periods and to take advantage of them whenever possible. Carrying interest means a portion of every payment starts to go toward covering interest rather than covering your balance, so you can really end up paying for the money you borrowed.

Perhaps the most straightforward way to ensure you consistently make use of your grace period is to set up autopay and charge only what you can afford to pay off in full each month. This will help you avoid accidentally skipping a payment or getting to the end of the month and finding you lack the funds to pay off your balance.

A credit card grace period is a 21-day span (or slightly longer) between when a credit card billing cycle ends and when the payment is due. If you can tackle your balance during this timeframe, you can avoid paying costly interest on your purchases.



More News From This Category
Product Review: Today’s NYT Mini Crossword Answers for Saturday, Sept. 26
Sat, 26 Sep 2026 07:08:08 +0000
Looking for the most recent Mini Crossword answer? CNET publishes daily answers and hints for Wordle, The New York Times Mini Crossword, Connections, Connections: Sports Edition and Strands puzzles. The Mini Crossword is a nice break from the tougher puzzles, and it takes only a fraction of the time of the vaunted, regular New York…
Today’s NYT Mini Crossword Answers for Saturday, Sept. 26

Photo By CNET

Read More ...


Electric Car News: Electric vehicles
Sat, 26 Sep 2026 04:08:48 +0000
All the latest breaking news on Electric vehicles. Browse ibtimes archives of photos, videos and articles on Electric vehicles.
Original Image Link
Source:www.latintimes.com

Read More ...


Consumer News: Dollar General is bringing back its $5-and-under toy shelf for the holidays
Sat, 26 Sep 2026 04:07:20 +0000

More than 170 seasonal toys, new LEGO sets, and other gifts are coming to stores this holiday season

By Kristen Dalli of ConsumerAffairs
September 25, 2026
  • Dollar General is offering more than 170 seasonal toys, with about half priced at $10 or less.

  • A new dedicated shelf will feature toys priced at $5 and under, including collectibles and games.

  • Shoppers can get 25% off qualifying toy purchases of $75 or more from Oct. 1 through Dec. 24.


Holiday shopping for kids can add up quickly, especially when there are multiple gifts to buy. Dollar General is looking to give shoppers more lower-priced options this season with an expanded assortment of holiday toys and gifts.

The retailer says it will carry more than 170 seasonal toys, with about half of the assortment priced at $10 or less and approximately 95% priced at $20 or less. It is also introducing a dedicated shelf for toys costing $5 or less.

The 2026 assortment includes toys tied to popular characters and trends, including Pokmon, Bluey, Disney's Stitch, Spider-Man, and The Grinch, as well as new Formula 1-themed products.

This holiday season, were focused on delivering what matters most to our customers: creating memorable moments for less because holiday toy shopping should be exciting, not stressful, Steve OBrien, Dollar Generals vice president and division merchandise manager, said in a news release.

Were helping families discover affordable gifts from brands they know and love and we are bringing back our printed toy guide to help create a little nostalgia with wish-list making with prices families can feel good about.

What's new this year?

There are plenty of smaller gift and stocking-stuffer options in the assortment. Dollar General says it will offer more than 40 giftable items priced at $1, including coloring and activity books, stickers, and novelty pens.

The retailer is also adding more than 20 new LEGO sets, ranging from $5 to $30, with themes including Frozen, Minecraft, Bluey, Spider-Man, Star Wars, and Botanicals.

Other options include:

  • Play-Doh products priced from $2.50 to $15

  • Melissa & Doug toys

  • Bluey toys and plushes

  • Pokmon products and collectibles

  • Mini Brands and WWE Ballers

  • New $2 Hasbro Classic Mini Games, including Connect Four, Yahtzee, Operation, and Hungry Hungry Hippos.

For shoppers looking beyond traditional toys, Dollar General says it carries more than 300 crafting items, with 85% priced below $5.

How shoppers can save even more

Starting Oct. 1 and running through Dec. 24, customers can receive 25% off qualifying toy purchases totaling $75 or more in a single transaction. The offer includes clearance toys, although some exclusions apply.

Shoppers can also purchase the holiday assortment online through myDG, with delivery available from participating stores. Dollar General says customers can receive a free delivery fee on one myDG Delivery order using their myDG account.

For families building holiday shopping lists, the combination of lower-priced toys, new products and a larger seasonal selection gives shoppers several price points to consider as they plan their gift purchases.

Read More ...


Consumer News: Rabies exposures are rising: What consumers need to know
Sat, 26 Sep 2026 04:07:19 +0000

CDC reports an increase in rabies exposures and urges people to take animal encounters seriously

By Kristen Dalli of ConsumerAffairs
September 25, 2026
  • The CDC says rabies-related inquiries increased 17% from July through August 2026 compared with the same period last year.

  • People should avoid contact with wildlife, particularly animals that appear sick, injured, or are behaving unusually.

  • Anyone who may have been exposed should immediately wash the area and contact a healthcare or public health professional.


Rabies may not be something most people think about regularly, but the Centers for Disease Control and Prevention (CDC) is reminding the public to take potential exposures seriously.

In a recent health advisory, the agency reported that several areas of the U.S. have seen increases in people being exposed to animals that are known to carry rabies or could potentially have the disease.

Rabies is a viral disease that affects the central nervous system. It can spread through bites, scratches, or contact with an infected animal's saliva. Once symptoms begin, rabies is nearly 100% fatal, but it can be prevented when appropriate treatment is given before symptoms develop.

The CDC received 17% more rabies-related inquiries from July through August 2026 than it did during the same period in 2025. At least eight state health departments also reported increases in rabies treatment, treatment errors, or both.

What the CDC is seeing

Rabies exposure does not automatically mean someone needs the full course of preventive treatment. Healthcare professionals and public health officials assess the animal involved, how the exposure happened, whether the animal showed signs consistent with rabies, and the severity of any wound.

When treatment is necessary, it is called post-exposure prophylaxis, or PEP. For someone who has never previously been vaccinated against rabies, PEP includes rabies vaccine and human rabies immune globulin. People who have previously completed rabies vaccination generally receive two vaccine doses and do not receive the immune globulin.

The CDC says errors in determining who needs PEP or how it is administered can lead to unnecessary treatment, additional doses, potential side effects, and avoidable expenses. A typical course can cost between $11,000 and $14,000 per person.

How consumers can stay safe

The CDC recommends keeping your distance from wildlife and never approaching animals that appear sick, injured, or dead. This is particularly important if an animal is behaving unusually, such as wildlife that is active during the daytime when it is normally active at night.

Pet owners should keep their animals current on rabies vaccinations and keep them away from wildlife when possible.

If you are bitten or scratched by wildlife or an animal acting sick, immediately wash the wound with soap and water or water alone for 15 minutes. Then contact a healthcare provider or public health professional to discuss whether you may need rabies-related treatment. If possible, provide details about the animal and its behavior. If the animal belongs to someone else, ask for proof that its rabies vaccination is current.

Most importantly, don't try to handle an unfamiliar or potentially sick animal yourself. Contact local animal control or your health department for help.

Read More ...


Consumer News: Hot drinks may come with a cancer risk few coffee drinkers consider
Sat, 26 Sep 2026 04:07:19 +0000

A large U.K. study found that drink temperature may matter more than whats in your cup.

By Kristen Dalli of ConsumerAffairs
September 25, 2026
  • Drinking beverages at very hot temperatures was linked to a higher risk of one type of esophageal cancer.

  • People drinking six or more hot drinks a day also had a higher risk of that cancer.

  • Simply allowing your coffee or tea to cool before drinking it could potentially reduce some of that risk.


For many people, coffee and tea are everyday staples. But new research suggests that how hot those drinks are when you consume them could matter when it comes to esophageal cancer.

The study, published in the International Journal of Cancer, looked specifically at two major types of esophageal cancer: squamous cell carcinoma (SCC) and adenocarcinoma (AC). Researchers wanted to better understand whether drink temperature and the number of hot drinks people consumed each day were associated with either type.

Previous research has connected very hot beverages generally around 70C (158F) with esophageal cancer. However, less was known about temperatures more typical of Western countries.

How researchers studied it

Researchers combined information from two large U.K. studies: the Million Women Study and the U.K. Biobank. Together, the analysis included 977,282 adults.

Participants reported how they preferred their hot drinks: warm, hot, or very hot. They also reported how many cups of tea and coffee they typically drank each day. Researchers grouped consumption into fewer than six drinks per day or six or more.

The participants were then followed for years using health records to identify new cancer diagnoses. The researchers ultimately identified 2,348 cases of esophageal cancer, including 1,045 cases of SCC and 1,303 cases of AC. The average follow-up lasted 14.2 years in the Million Women Study and 11.1 years in the U.K. Biobank.

What the results mean for consumers

The researchers found that people who preferred their drinks very hot had about three times the risk of developing esophageal SCC compared with those who preferred warm drinks. The researchers did not find the same relationship between drink temperature and adenocarcinoma.

Frequency mattered, too. After accounting for drink temperature, people who consumed six or more hot drinks per day had a 71% higher risk of SCC than those who drank fewer than six.

Based on their analysis, the researchers estimated that 14% of SCC cases could potentially be avoided if people who currently drink beverages at very hot temperatures instead drank them at temperatures described in the study as hot.

The findings don't mean that drinking coffee or tea automatically causes cancer. Instead, they point to drink temperature and frequency as potentially modifiable factors associated with SCC risk.

For consumers, one simple takeaway from the research is that giving your coffee or tea a little more time to cool may be worth considering.

Read More ...


Related Bing News Results
Consumer Reports finds banned baby gear on major online sites
Fri, 25 Sep 2026 14:58:39 GMT
Consumer Reports found banned baby products on Facebook Marketplace, eBay, Mercari and Craigslist, warning parents to check recalls before buying.

Consumer sentiment ticked lower in September
Fri, 25 Sep 2026 07:26:00 GMT
The University of Michigan survey’s headline index landed at 48.1 in September, down from 51.7 in August.

CFPB will no longer publish consumer complaint narratives
Fri, 14 Aug 2026 12:20:00 GMT
With consumer complaints skyrocketing, the Consumer Financial Protection Bureau said Friday that it will no longer publish complaint narratives, which have long been a sore spot for industry groups.

Consumer Spending, Engine of the U.S. Economy, Is Under Strain
Fri, 10 Apr 2026 02:02:00 GMT
Higher fuel costs are raising food and travel prices, while a shaky stock market tamps down free spenders. By Lydia DePillis Angie Howard lives in a walkable neighborhood in Portland, Ore., and works ...

Global Beauty Market Grows 10% as AI and E-commerce Reshape Consumer Buying
Tue, 31 Mar 2026 14:00:00 GMT
CHICAGO--(BUSINESS WIRE)--NielsenIQ (NYSE:NIQ), a global leader in consumer intelligence, today released its State of Beauty 2026 report, showing the global beauty market grew 10% year-on-year, with E ...


Blow Us A Whistle


RobinsPost Print On Demand Refund Policy With Printify
Printify

Related Product Search/Búsqueda de productos relacionados

Amazon Logo