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What Is a Finance Charge, and How Do I Avoid Paying One?

If you're savvy, you can avoid credit card finance charges entirely.

U.S. News & World Report

What Is a Finance Charge?

Internet mobile banking and internet of things concept

If you pay off your statement balance completely during a grace period, you could dodge interest charges altogether. (Getty Images)

Borrowing money typically costs money, and credit cards are no exception. One of the advantages of having a credit card is that you don't have to pay off your balance each month. But that perk comes at a price, called a finance charge.

怎么玩吉他
杜阿·里帕《杜阿·里帕》

Here's what you need to know about credit card finance charges, how they're calculated and what you can do to avoid them.

How Credit Card Finance Charges Work

《盗墓笔记》

Carrying a balance. If you don't pay your balance in full by the due date each month and there is no promotional 0% APR period, you will incur a finance charge based on your card's APR and the remaining balance.

Generally, credit cards require relatively low minimum payments compared with balances. While some credit card issuers include interest charges in the minimum payment, others just charge a flat percentage. "If this minimum is less than the accrued interest," says James Philpot, certified financial planner and associate professor in the department of finance and general business at Missouri State University, "you will effectively be borrowing more money from your card issuer in order to pay interest."

Transferring a balance. If you transfer a balance from one card to another, you may incur a finance charge in the form of a balance transfer fee. You may also pay interest on the balance unless the card has an introductory 0% APR balance transfer promotion. Check the card's terms before you submit your request.

Requesting a cash advance. If you use your credit card to get cash from an ATM, interest will start accruing immediately from the date of the transaction, with no grace period. The APR for credit card cash advances is often higher than the APR for purchases.

Making a foreign transaction. A foreign transaction on your credit card, whether in a foreign country or currency, can incur a foreign transaction fee. This fee is typically about 3 percent of the transaction.

How Credit Card Companies Calculate Finance Charges

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据《北京晚报》报道,最近公布的《凯度中国社交媒体影响报告》显示,由于社交媒体的负面影响,在1990年后出生的中国年轻人中,已有40%的人关闭了社交媒体应用的消息提醒功能。
Chinese Premier Li Keqiang said the economy performed better than forecast in 2017 and expects annual gross domestic product growth of around 6.9 per cent, according to state media.
该报告还指出,自2013年以来,中国已成为全球最大的工业机器人市场。并且在近年来,中国国内的供应商通过提供更多高端产品,正在向供应链上游进军。
“The course was delivered by top-notch practitioners,” says one HEC Paris graduate. “The programme is perfectly designed for young professionals having limited finance experience and allows them to be immediately operational upon graduation.”
《华胥引》
There was no indication of the identity of the kidnappers or their motive.

威廉姆斯指出,来自巴西、越南、台湾和智利的11月初数据表明,出口形势自10月以来持续改善。
福布斯杂志认为,特朗普净资产的下降,主要是由于曼哈顿市中心房地产市场的疲软。
In addition to meeting quality standards, imported products must be correctly labeled in Chinese, according to national regulations.
9.微笑

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Note that grosses are not the same thing as earnings. Downey outearned Johnson by $29 million with $75 million in estimated earnings between June 2012 and June 2013, the period we used for the latest edition of our Celebrity 100 list. The numbers we’re looking at here are how many dollars each star’s movies brought in at the box office worldwide this year.
4. Rihanna
单词charming 联想记忆:

Note, however, that some credit card issuers compound interest on a daily basis, so your calculation may be even more complicated than this one.

How to Avoid Paying Credit Card Finance Charges

中国香港——也许香港的标志性景观是一艘驶入画面的仿古船,其背景正是这座城市举世闻名的天际线,但《孤独星球》选中此地却是因为距维多利亚港数英里之外的自然遗产。
Yang Yansui, director of the School of Public Policy And Management at Tsinghua University, said the four-trillion-pension balance was mostly in personal accounts, while the pay-as-you-go pension system was greatly challenged by dependency ratio.

Take advantage of your grace period. Most credit cards offer a grace period on purchases. If your credit card has one, it typically runs from the end of your billing cycle to your payment due date. By law, you must receive your credit card bill at least 21 days before it is due.

Statistics from another market research firm, Counterpoint, indicate that China shipped 465 million smartphones over the last year, accounting for nearly one-third of the global volume.
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Premiered on Jan 29, the drama received 7 points out of 10 on the country's popular review website Douban.

5.Emma Watson
Some delegated the task:
根据《人民日报》的一份报告,截至2016年年底,中国的电影银幕已达到41179块,另外新增1612家电影院和9552块电影银幕。

"No one really knows how (end times) would look and how God would bring it about," Cox said.
Well, at least Hilary has won something this year. I'm sure she's thrilled.

control
“尼克是一位优秀的产品思想家,”雅虎移动与新兴产品高级副总裁亚当卡恩(Adam Cahan)说,“他的确代表了他在思索的事物和‘移动’真正内涵的跨世代转变。新一代不仅仅是以移动为先,而且是以移动设备为唯一上网工具。这是一种不同的视角。”
South Africa's leader Jacob Zuma got a 4% raise in March, but his salary in dollar terms has actually dropped compared to last year, because of the fall in the south African rand.

Of course, these same new forces may also trigger a backlash and a reversion to old command-and-control ways of leading. The politicians who dominate the world stage are, depressingly, mostly cut from the old cloth, and the leadership challenges they face, from Brexit to North Korea, are particularly complex.
飞速变化的效应
(可可英语版权所有,未经允许请勿转载)
Mr Siddeeq, a retired teacher who is now living in the mid-western city of Indianapolis, said he was shocked when he was contacted by the university.

Use a 0% APR promotion. Some credit cards offer an introductory 0% APR promotion to new cardholders, waiving interest charges on purchases, balance transfers or both transactions for a set period.

因为一种鲜为人知的病毒所造成的重大影响,2016年将在全球卫生方面被人们铭记。这似曾相识,不过此次登上全球头条新闻的不是埃博拉病毒,而是寨卡——一种通过蚊子传播的病毒,大脑存在缺陷的新生儿数量在巴西急剧增加与此有关。
The four megalopolises also saw fewer traffic jams after November due to reasons ranging from less travel in winter and smoggy days to the return of migrant workers to their hometowns.
SETTING: Stonington is on Little Narragansett Bay in southeastern Connecticut, about an hour by car from Hartford and Providence, R.I., and three hours from New York City. Once a busy harbor with a long maritime history, the town remains home to a commercial fishing fleet, several historic districts of Colonial and Federal houses and a healthy sailing community. There’s a small public beach at the tip of town and another, much larger one in Watch Hill, R.I., about a 20-minute drive away. This Greek Revival house, with the requisite Ionic columns and a fan window in its pediment, is in the center of town.

“The US economy is likely to grow by 3 per cent plus this year as well as next year.
The Jungle Book will be released worldwide on April 15, 2016.
According to the annual Global Trade Protection Report, companies in the US launched 43 anti-dumping cases in 2015 and a further 22 anti-subsidy investigations aimed at securing countervailing duties. The US took the lead in both areas, overtaking India and Brazil, which launched the most cases in 2014 and 2013.
I formerly had an Android device (even though I have had a MacBook since 2009 – weird, I know). After switching this summer, I quickly realized the power of iPhone “Reminders.” Each time a reminder is due, your iPhone buzzes and displays a pop-up. You can snooze it or mark as completed. In addition, you can set up recurring reminders, which are perfect for remembering to mail estimated quarterly tax payments, renewing subscriptions, running payroll and other things you tend to forget.
具有荷兰和美国双重国籍的Frans de Waal和另一位美国科学家Jennifer Pokorny获得这一奖项,他们的研究确认黑猩猩可以通过辨认同类的屁股照片来认出不同的个体。

If the user set up a truthful answer, according to statistics provided by the researchers, in 19.7% of the cases, an attacker would need a single try to guess the correct answer to the question "What is your favorite food?" in the case of American users.
同样跻身2013年全球最贵城市前十名的还有新加坡、苏黎士、巴黎、委内瑞拉首都加拉加斯和日内瓦。
TextPride changed its name to Swyft Media and launched a platform that pushes emojis and stickers from new brands into messaging apps. Brands pay for the privilege, as they would with a regular ad campaign.
《法律与秩序:特殊受害者》(Law & Order: SVU):NBC频道的这部电视剧上一季中的危机仿佛是从肥皂剧中搬来,发生了各种大事,奥利维亚(Olivia,玛莉丝卡·哈吉塔[(Mariska Hargitay]饰)经历了许多危险——喜欢跟踪的变态强奸犯,折磨人的婚外恋,新生婴儿,现在这一切终于平息下来。在今年的第16季中,侦探们回到了重要的性犯罪上,其中一集的灵感来自雷·赖斯(Ray Rice),讲述的是从监控录像中看到一个著名体育广播员殴打自己的妻子。

9. 设身处地也能提高记忆力
But many foresee an economic collapse, arguing that a prolonged eurozone crisis coupled with a property bubble could render vast swaths of Chinese industry unprofitable. This would reveal hidden financial vulnerabilities and feed a downward spiral. Others believe that Beijing has ample resources to avoid a crisis, but argue that, with a growth model based on infrastructure and land sales, and with exchange and interest rates rigidly controlled, it may not have all the necessary tools at its disposal.

Forgo certain activities. Because many cards charge fees for balance transfers, cash advances and foreign purchases, consider refraining from these activities, or try to find a card that waives these fees.

Some balance transfer credit cards, for instance, will waive the balance transfer fee for new cardholders for a short period. Also, many travel credit cards don't charge a foreign transaction fee.

Always Read the Fine Print

A lot of the best James Bond theme songs sound like they belong in a lounge act. That's not a complaint, just an observation. For whatever reason, the English new wave act Duran Duran was given free reign to provide A View to a Kill with a new and exciting sound all its own. "A View to a Kill" was a hit song, and it probably would have been a success even without the James Bond connection. It's entertaining and cool and energetic, and it promises one hell of a good time. (Whether or not the movie actually lives up to that promise is a matter of some debate.)
Welcome, and before we begin – please accept our apologies. Your four-hour nightmare wait at passport control should not be taken as a symptom of Britain's contempt for foreigners. It is merely a symptom of a woeful lack of spending on a key aspect of travel infrastructure in the run-up to a hugely important event. In other words, it's the government that hates you. Don't worry, they hate us too.
It's important to remember that even when the overall number of jobs goes down, some companies are still adding workers -- it's just that others are cutting even more.
日前,一名14岁的中国少年,在一个晚上的时间内克服了人类史上的两大恐惧:被困电梯和完成家庭作业。而这多亏了他机智的性格。

Songs (Ping An, Xu Yina and Apusasa)
We will ensure workplace safety and people's lives.

这一次,湖人队处境不错,而且不需要赶着去做什么事,给他们点时间,看看他们到底会怎样。用这样的防守质量他们很难进入季后赛,但是这并不是这个赛季的重点。
经济增长率将会首次达到3%在这十年里
“太可怕了,”他说,“我见到有人带枪,就把枪拿走,报告警察。”
下面这条消息,可以给人带来一线希望:市价房的租金太高了,它们明年可能涨不了多少。“好消息是,租金不会再涨了,”米勒说,“坏消息是,它们很可能也不会下降。”
n. 预算