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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.

“…was snervous she almost fainted.”
Final predictions: Weak economic growth will continue into 2010. By spring, the Obama White House will be forced to the political center and U.S. businesses will finally believe in a modest recovery.

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

节目17 小品《你摊上事儿了》,秦海璐 王茜华 孙涛 方清平

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

The OJ Simpson trial proved that nothing gets the masses as excited as murder and celebrity. Throw in Flight 253 and the ambitions of dozens of terrorists, trial lawyers, prosecutors, politicians and aggrieved 9-11 families and you have a story that will run and run.

上海复旦大学社会发展与公共政策学院院长彭希哲周二告诉环球时报,在产业结构升级的过程中,劳动密集型产业搬离都市圈,是导致这一人口变迁的最主要原因之一。
The Caixin-Markit manufacturing purchasing managers’ index dipped to 50.8 in November, down from 51 in October and coming closer to the 50-point threshold that delineates expansion from contraction. A median forecast from economists polled by Reuters had predicted a fall to 50.9.
在完成该项目的毕业生当中,42%没有继续从事教学工作。但Teach First表示,即便是那些离开教学领域的人也依然认可该项目的价值。
We will take solid steps to pursue a new type of urbanization.
全球缓慢的经济增长并不会很大程度的拖累美国。美国的出口额虽然可能持平甚至下降,但是这将会被由于油价下降的石油进口额抵消,所以贸易赤字并不会给美国经济造成更进一步的影响。
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The People’s Bank of China has long intervened in foreign-exchange markets to hedge against excessive volatility. Since August, however, such intervention has expanded from the domestic spot market, which covers daily transactions, to include the offshore renminbi market in Hong Kong, as well as both onshore and offshore futures markets, traders say.
Recognize me?: image via blog.discoverymagazine.com
'I thought I was going to sell the app in the Apple store for a pound or two each, and then I'd use the money to buy a new computer,' says D'Aloisio. 'I'd never had any contact from an investor before. And now here's an email supposedly from a Hong Kong billionaire. It sounded dodgy. I didn't respond the first time. They had to email me again.' D'Aloisio was accompanied by his mother and father ('they were a bit bewildered, it was kind of insane') as he took a meeting with Horizons Ventures's representatives in London in August 2011. The meeting ended with D'Aloisio receiving a seed investment of $300,000.
Plans to open 20,000 specialist football schools in 2017, aimed at training young players and cultivating talent, are part of the government's latest plan to advance China's ability to compete on the global pitch.

The gig economy
adj. 优雅的
While falling prices for oil and other inputs have supported profit margins, the positive impact has been outweighed by falling prices for finished goods, He Ping, a statistician at the bureau’s industrial department, said in a statement accompanying the data.
As a result, business investment in key areas such as equipment has been historically weak for a U.S. recovery. A slowly improving jobs picture and rising household wealth could spark a virtuous cycle of stronger consumer spending, increased business confidence and rising investment. If it doesn't, the year could be another letdown.

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

2016年,广东以逾7.9万亿元的地区生产总值(GDP),连续第28年稳居我国第一经济大省。
More than 110 new and returning series made the shortlist for this roundup before being whittled down to the 20 that appear here. (And that’s without the HBO shows “True Detective,” which is being moved to later in the year, and “Game of Thrones,” “Veep” and “Silicon Valley,” whose April premiere dates haven’t been announced.) From a “Breaking Bad” spinoff, to the return of “Broadchurch,” to the final season of “Justified,” the winter is high season for the serious TV watcher.

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.

n. 蛋白质
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低通胀反映出需求趋弱,不利于人们增强对经济转型(从侧重制造业转向侧重消费)的信心,但另一方面,这种局面为中国政府实施刺激措施留出了空间——假如它希望为经济提供更大支持的话。
infection

不过,这种风潮好像不是在表达如今的女人想穿什么,而是在逃避,认为最安全的着装方式是回归过去,我认为这种想法是错误的。
潘通色彩研究所(Pantone Color Institute)的执行总监莱亚特丽斯·艾斯曼(Leatrice Eiseman)说:把这两种颜色组合起来反应出“一种令人慰籍的秩序感与和平感”,在这个全球动荡和缺乏安全感的时代,把这种感觉融入产品应该具有吸引力。它也暗示着,“我们”和“他们”之间没有界线。
此外,城镇人口也有所增加,现在已经占到总人口的55.88%,相比2010年普查时增加了6.2%。

《她》(Her),由斯派克?琼斯(Spike Jonze)担任编剧兼导演,将浪漫带入了虚拟世界,影片的主人公展开了一场有些疯狂的真正激情之旅。华金?菲尼克斯(Joaquin Phoenix)扮演的男主角是个令人心酸的孤独小伙子,他爱上了自己智能手机的新操作系统。影片的基本构想有些脆弱,但故事非常华丽地展开,霍伊特?范?霍特玛(Hoyte Van Hoytema)的摄影也很精妙,完美地烘托了菲尼克斯、艾米?亚当斯(Amy Adams)和斯嘉丽?约翰逊(Scarlett Johansson)的表演。斯嘉丽?约翰逊在片中扮演的是智能手机操作系统的声音和灵魂。
On the subject of #MeToo, she said: 'I just think they're douche bags. They're not champions. I just think they're losers. I don't like them.

China Hyundai dealers seek up to $135 million compensation
As for China, lack or stopped development represents the biggest risk for this country. So it is essential that we maintain steady medium-high growth of our economy and that in itself is China’s contribution to global stability.
狗狗雨伞正流行。可爱又有趣的,也非常实用。

Interestingly, a survey found Beijing was thought to be the most congested city in China, among 31.8 percent of respondents, followed by Zhengzhou at 8.8 percent.
除了印度,其他金砖国家——巴西,俄罗斯,中国和南非——也削减了对美国政府债券的持有。
罗宾威格尔斯沃思(Robin Wigglesworth)
7) Let Me Play Devil’s Advocate: Looking for a subtle way to critique? Turn the conversation into an exercise where you’re a detached party performing a function: Poking holes in the logic and plan of attack. You use this strategy to stress test ideas without making the process personal.

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.

去年,CPI指数上涨在一月时达到峰值2.5%,随后在剩下的时间里在2%以下波动。
“We miss a heck of a lot of people,” Mr Hoogewerf told the Financial Times. “I was in Beijing two weeks ago and visited this investment company. In the space of one afternoon I discovered 30 people who went on to our rich list this year. Last year they were under our radar.”
n. 改善(正), 修正案,某物质能改善土壤有助生长

相比之下,新兴市场出口的平均单价差不多自2012年中以来就一直呈同比下降趋势,2016年2月同比降幅达到16.4%。
Effective bosses and managers tend to:
Global gold production rose to 3,268.7 tonnes in 2017 from 3,263 tonnes a year earlier, according to the WGC. That was the smallest increase since 2008, when gold mined fell more than 2 per cent during the financial crisis.
n. 商标
Since the establishment of Avic 1 and Avic 2 in 1999, which really marked the beginning of China’s push into the commercial aerospace market, there has been no doubt about China’s intent and the direction it wants its industry to take. But the pace at which it would achieve this ambition was less uncertain. Almost 20 years on, things have become much more clear, and there is now little doubt that China is well on its way to succeeding where several other countries have failed in becoming a full-fledged player in the large commercial aircraft manufacturing sector, with the potential to disrupt the long-standing duopoly of Airbus and Boeing.

图表一显示的是上世纪70年代以来新兴市场银行、汇率及债务违约危机的发生次数——对照名义联邦基金利率。克普克以此为据,试图证明高位且不断上升的利率通常在新兴市场危机爆发周期之前出现。
2014年1月,我在达沃斯亲身感受到了这种悲观情绪。几位著名西方学者问我中国和日本之间是否会爆发战争。我非常有信心东亚不会发生战争,以至于我提出以1赔10的赔率与西方知名记者们打赌。两位记者接受了我的赌约。今年1月回到达沃斯时,我将收取他们的赌注。
韩美林在他的社交媒体上表示,他只设计了吉祥物的水墨画原始版本,对3D版并不知情。某网友对此回应了这位德高望重的艺术家:“我们当然相信这只丑猴和韩大师无关。”
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2015年最佳职业
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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

根据普京最近的一次收入申报,2015年他总计收入大约为890万卢布(约合13.7万美元)。
They are calculated using a methodology that focuses on a school's research performance and reputation, not its specific undergraduate or graduate programs. This is a separate methodology than those used for other US News rankings such as Best Colleges and Best Graduate Schools.
Critics have been eager to point out that he is not so closely involved in new product development as his predecessor, and fails to elicit the same excitement when he takes to the stage to introduce them. But Mr Cook is aware of his shortcomings and has drawn on the worlds of fitness and fashion to assemble a new team of talents, including Angela Ahrendts, formerly of Burberry, and industrial designer Marc Newson.
The Good Place

《战地神探》(Foyle’s War),acorn.tv,2月2日播出。去年流媒体服务网络Acorn TV放完了《大侦探波洛》(Agatha Christie’s Poirot)的最后三集,如今又带来另一部传统英国推理剧,这部超级剧集在英国已经拍到第九季,在美国还是首次播出。迈克尔·基臣(Michael Kitchen)在剧中饰演克里斯托弗·弗伊(Christopher Foyle),一位可敬而又狡黠的侦探,这部剧多年来从一部“二战”后方警探剧演变成勒卡雷(le Carré)式的冷战惊悚剧。新的几集中有纽伦堡审判以及英国在巴勒斯坦所扮演的角色。
单词petroleum 联想记忆:

Read about successful businesses. Take in the wealth of knowledge that’s been provided by successful entrepreneurs such as Steve Jobs and the personalities from Shark Tank. A successful business plan does not have to be a book. A 10-page plan is digestible yet long enough to include everything you need to start.
榜单前十位富豪的净资产总额合计为5054亿美元。
Care about them, but don't let on mkay?
在今年的榜单上,美国学校恢复了自己的优势,上榜的美国学校数量增至51所。2016年,这一数据首次跌破50,降至47所。在8所新上榜或重新上榜的学校中,有6所来自美国。
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