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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.

交通银行首席经济学家连平表示,不断上涨的生产者物价可能会在较长的时间内推高消费价格。
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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

Richard Waters

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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品牌VS市场
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煽动家的运动自然导致了专制统治——多数人的暴政掩盖了一个人的暴政。
“即便人们充分了解了(美联储政策的作用),市场动态也可能相对容易地变得不稳定或不利,”他说,“届时你将陷入一个卖盘压力自我强化的循环。”
The emissions growth last year was a bit slower than the average growth rate of 2.5 percent over the past decade, and much of the dip was caused by an economic slowdown in China, which is the world's single largest source of emissions. It may take an additional year or two to know if China has turned a corner toward slower emissions growth, or if the runaway pace of recent years will resume.
If the oldest man ever elected president can “tweet like a kindergartner,” why not flip the script and see if a youngster can be elected to office and govern wisely?

Over at Huffington Post Mark Gongloff warns: That 'dramatic downgrade of U.S. economic growth in the first quarter revealed the economy's lingering weakness, exposed the folly of Washington's austerity obsession and slapped the Federal Reserve's newfound optimism right in the face.' And with politics deteriorating, it'll get worse.
Whiteness means being part of the group whose appearance, traditions, religion and even food are the default norm. It’s being a person who, by unspoken rules, was long entitled as part of “us” instead of “them.”
户外空间:从这座露台往下走几步就是一座带有草坪和喷泉、围着围墙的花园。这处房产面积0.10英亩(约405平方米)。
Mr Koepke’s point is that these conditions may change and that their significance is underestimated.

中公教育表示,周二报名的岗位中最抢手的是位于北京的中国就业培训技术指导中心的职位,已有1430人报考了该职位。
2月CPI同比上涨2.3%,高于预期的1.8%,为2014年7月以来最大涨幅。1月CPI同比上涨1.8%。
"All I got was an extra hour on the bus to work, but I can't get a seat at the stadium," she said as she directed cars toward a mall's parking garage in Rio's wealthy southern zone.
印度尼西亚佩母德兰——在巴厘岛的佩母德兰,可以在长了珊瑚的佛像周围进行水肺潜水,也可以到地面上享受海滩胜地和餐馆美食。

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

在此次上榜的5所中国学院当中,上海高级金融学院排名最高,领先于北京大学光华管理学院(Guanghua School of Management at Peking University)和清华大学经济管理学院(School of Economics and Management, Tsinghua University),后两家学院分别排名第17位和第18位。
80年来,普华永道(PwC)一直负责奥斯卡奖的计票工作并确保将正确的信封交给颁奖嘉宾。这家会计师事务所很快向两部影片、颁奖嘉宾和观众作出了道歉,因为它交给比蒂和唐纳薇的颁奖通告不是关于这个奖项的。

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.

其他地方已经出现了这种情况。
Will impeachment proceedings begin against Donald Trump
6.Do All the Work, Plus More
不过另一个因素也影响着最新一集《007》的计划,主演“詹姆斯-邦德”丹尼尔-克雷格全心投入于演出《千禧年三部曲》,而其中的《龙文身的女孩》正在紧张拍摄中。而目前电影公司也没有遴选新一任007的打算,若果丹尼尔三度出演这一角色,电影至少得等到2014年才能上映。

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年度最佳合唱:埃里克·丘奇、杰森·阿尔丁、卢克布·莱恩《The Only Way I Know》
Horowitz admitted that while doing so he has had to work carefully to preserve 007's characters and attitude as created by the spy novel’s first author Ian Fleming, who died in 1964.

For almost everyone else, it was a year of frustration against a backdrop of better-than-average returns for the most popular index in the land.
两乐设备是青铜做的可以追溯到2000多年前中国的汉朝(公元前206年–公元220)。

My arms are wide open for you this New Year.我张开双臂,盼与你共度新春佳节。
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201107/145539.shtmlAnd so, farewell to “Mad Men.” Farewell to the blogs and fan sites that tracked the story line (and more important, the outfits) of each episode.

10.You are Stressed All the Time
本地社交媒体广告,即那些恰好出现在你的Twitter和Facebook信息流之中的广告,在2013年爆炸式增长。2014年,无论你爱也好,恨也罢,这类广告的规模只会变得越来越大。,尽管听起来有点让人毛骨悚然,但特定位置定位技术预计将在来年出现显著改进。Twitter刚刚推出了一项面向特定邮政编码区域发送有偿消息的功能。比如,当你走进一个社区,当地酒吧、干洗店和麦当劳(McDonald's)发布的“推广消息”就会突然闪现在你的Twitter信息流之中。自2011年来,Facebook一直在采用这种“地理围栏”技术。它能够让商家招揽临近的客户,这些客户实际上可能也想获得提供特别优惠和特价商品的广告信息。好处是,你可以获得更多相关的广告和推销信息。缺点同样是,更多的广告。
The French president would have ranked much higher had he not taken a 30% pay cut on assuming office in 2012.
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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.

The US electoral college has failed doubly.
Companies are always looking to save money, and outsourcing some roles to freelancers can help. Virtual assistants can perform many of the duties of full-time staffers, but with less commitment. These workers could help expand a business, or just encourage things to run more smoothly.
10. Deepika Padukone - $10 million

Lucy Kay 成为亚军,而正太组合 Bars and Melody 位列第三。
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vt. 超过,胜过,超出界限
你可能觉得我们对于列清单的爱好是从“十诫”继承而来,但安伯托·艾柯( Umberto Eco)的说法却正相反,“清单是文化的起源”,他写过一本书,《无限的清单》(The Infinity of Lists),书中在讨论自己熟悉的东西时这样说道。而且,文化希望“让无限变得可以理解”,并且“创造秩序——不是永远如此,但通常都是这样”,所以才有了荷马在《伊利亚特》中的人名清单,以及你冰箱上贴着的,永远做不完的家务清单。“我们喜欢清单,因为我们不想死,”艾柯还说,这可能是对“清单体”(listicle)的最佳解释了。
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Golden State righted itself over the next few months. Kevin Durant suffered an injury which let Stephen Curry be Stephen Curry again, and when Kevin Durant returned, the team had found a balance between their two MVPs. The result was a terrifying burst through the playoffs, as the Warriors swept the Western Conference playoffs. Portland offered no resistance. Utah put up a noble effort but still couldn't get a game. The Spurs led by 20 ... and then Kawhi Leonard went down with an injurywhen Zaza Pachulia stuck his foot out, and that was that.
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单词affection 联想记忆:
西蒙接受本刊采访时说:“聘用老兵是我们做出的最好的决定之一。我们在阵亡将士纪念日推出了‘欢迎回家’计划,至今我们已经聘用了超过2.6万名老兵,让我们倍感骄傲。老兵在面对压力时表现一贯优秀,而且有服务热情,这些因素让我们很容易兑现聘用老兵、学习老兵和支持老兵的承诺。”

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●"Cinnamon Roll Can Explodes Inside Man’s Butt During Shoplifting Incident"

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

Allianz
adj. 受影响的,受感动的,受疾病侵袭的 adj. 做
The Nobel Prize in chemistry was awarded to a scientist who managed to build the world’s tiniest machines out of molecules.
单词addition 联想记忆:

com共同+fort强大→一起给力量→安慰;舒适
发展最迅速的初创公司往往具有全球化的视野。未来一年,美国总统特朗普已经实施的移民限制,以及英国作为退欧的一部分而在考虑的限制措施,可能会对企业招聘形成障碍。

单词available 联想记忆:
这位工作人员表示:“我们的数据显示该用户的年龄是28岁,并非媒体上报道的13岁。”
Hilcorp Energy
1870年3月19号,轮滑登上杂志《科学美国人》。它的制作人是伊利诺伊州奥尔尼的托马斯·呂德斯,被称作"佩德速度",后来,轮滑的轮变得小了很多,直径约为36厘米(15英寸)。吕德斯身材高大魁梧,他说自己用轮滑一直滑2个小时也不觉得累,同时他也说每一个人都可以滑轮滑,不论他们是什么体型。另一种轮滑出现在1923年,它的轮子在脚的内侧,而非外侧。(除了轮子的尺寸不一样以外,两种轮滑最主要的差别在于:由战车溜冰公司制作的轮滑,小轮在大轮的后面,增强整个轮滑的稳定性。)
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