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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.

2012中国创新人物奖中国互联网行业常常被描述成冒牌王国,尤其是对在中国被禁的那些公司的仿冒。中国搜索巨头百度(Baidu Inc.)的网站外观很像谷歌。腾讯的旗舰产品、即时信息服务QQ于1999年以OICQ的名字发布,与当时流行的即时信息服务ICQ功能相似。新浪(Sina Corp.)广受欢迎的微博总是被西方媒体说成“与推特(Twitter)类似”。
The theory that exercise boosts your intelligence might have some basis in fact according to a study conducted at Georgia Tech. Even if you don't like lifting weights, and the inside of a gym makes you want to run for the nearest doughnut shop, it might take just 20 minutes to enhance your memory, according to the 2014 study. Researchers asked participants to work out for 20 minutes in an intense manner and found that just 20 minutes of activity could help improve "episodic memory" by as much as 10% in young adults.

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

不论是在那首一目了然的《IDGAF》(《我才不在乎呢》)中对情人的不屑一顾,还是在那首狂热的《Lost in Your Light》(《迷失在你的光芒中》)与米格尔热烈的音乐相和,她以些许艾蕾莎·贝丝·摩儿那种深沉的态度和些许希雅那种令人受不了的夸张,强烈地表达着自己的情感,但她也是一位比这两人都要热情的歌手。

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

We will continue to pursue a proactive fiscal policy and a prudent monetary policy.

For the government, the job is to create a good environment and the necessary conditions for our people to use their own wisdom and hard work to generate golden opportunities for themselves, rather than just relying on the government to hand them a job.
China's 2016 office box sales are expected to exceed the 2015 total of 44 billion yuan (6.8 billion U.S. dollars), the country's film watchdog said.
Age: 45
It was an incredible achievement for SpaceX. The first stage rocket of one of its Falcon 9 launchers, having successfully lofted cargo to the International Space Station, managed to turn itself around, bleed off the enormous kinetic energy it had acquired while its main engines were burning, fly back down to Earth and land vertically - with balletic precision - on a rather tiny looking robotic barge floating somewhere in the Atlantic.
undeniable
梅的政府提出了一条规则,以公开羞辱雇佣外国工人的雇主。她的第一次重要讲话中充满了对多元文化主义的尖锐讽刺,比如讽刺那些自称“世界公民”的人其实“哪儿的公民也不是”。

《人物》评选的电影史上35位美人(1)
The findings of the US and UK scientists are based on thousands of global temperature measurements taken daily on land and at sea.
This year the list features nine heads of state who run nations with a combined GDP of $11.8 trillion — including the No. 1 Power Woman, German Chancellor Angela Merkel. The 24 corporate CEOs control $893 billion in annual revenues, and 16 of the women here founded their own companies, including two of the three new billionaires to the list, Tory Burch and Spanx’s Sara Blakely. Speaking of, this year’s class has 14 billionaires valued in excess of $82 billion.
Hartz started Eventbrite, an online ticketing platform, with her now-husband Kevin in 2006. Since its founding, the company has raised $140 million from firms like Sequoia Capital and Tiger Global Management and reached $2 billion in gross ticket sales this September. Entrepreneurship forced Hartz to appreciate candid and collaborative conversations. "I had to learn how to ask for help," she says. "Everyone always thinks it's brave to go out alone, but I think it's even braver to put yourself out there in front of others, and to figure out how to work together."

《南华早报》援引当地公安局李剑敏告诉新华社记者的消息:“整个加工车间里又腥又臭,人进去待一两分钟就受不了。”
13. 《女孩帮》(Girlhood),导演:瑟琳·席安玛(Céline Sciamma)。
与此同时,最近几个月,中国内地投资者一直在迅速开设股票交易账户并将资金投入股市。上证综指已成为亚洲今年表现最佳的股指,今年迄今已累计上涨近45%。
2018年特里萨梅(Theresa May)会继续担任英国首相吗

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

“I saw a woman die and I saw the president of the United States refuse to unequivocally condemn the people who killed her.”
The dip for the Caixin gauge, which concentrates on smaller and private manufacturers, stands in contrast to a pickup for China’s official manufacturing PMI, which focuses primarily on large, state-owned enterprises. The divergence may indicate that smaller outfits have been hit harder by pollution curbs and other regulatory tightening than their larger, state-run competitors, which also enjoy privileged access to state-run lenders.

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.

明星们的尴尬走光
Duh.
Job-searching employees often send these subtle signals without expecting their managers to notice, Kay says. But they do。
Theresa May is still facing resistance from within her own party. Vince Cable, the Liberal Democrats’ sage and leader, still thinks Brexit may not really happen.

7)让我来唱黑脸:想找一种婉转的批评方式?将对话转变为一场操练,你在其中扮演被孤立的一方,执行一项职能:戳穿(对方言语中的)逻辑漏洞及其攻击计划中的漏洞。你使用此条策略,一定要强调一点,千万不要在这些观点中掺杂个人情绪。
强化水、土壤污染防治。
会建立起稳定、流动性较强的比特币期货市场吗?

Puerto Ricans have been hit with dozens of new taxes in the past four years and increases in utility bills as former Gov. Alejandro Garcia Padilla aimed to generate more revenue for a government he said was running out of money. Despite those and other measures, the island’s government has defaulted on millions of dollars’ worth of bond payments and declared a state of emergency at several agencies.
3.The Jungle Book

《生活大爆炸》中绝不缺少天才。不只是因为这部剧向观众展示了很多绝顶聪明的科学家,同时,演员玛伊姆·比亚利克还拥有神经学博士学位。因此,演员们想要在剧中展示他们的聪明才智,并将整部剧做到精益求精,这也不足为奇。剧中谢尔顿和莱纳德的公寓里有一块很大的白板,这对铁哥们几乎在处理任何事时都会用到它,从完成从学校带回来的工作,到决定是否等到看完最新一部《蜘蛛侠》再吃饭,都离不开这块白板。
‘Can’t fault, I was thinking “go on boys”,’ Alesha smiled.
2014年至2016年期间,虽然全球增长数据不错,但全球温室气体排放量持平,所有人都为此欢欣鼓舞。问题是,其原因并非是所有人庆祝的全球经济效率提升,而仅仅是中国北方的经济增长放缓。随着这部分地区在2017年恢复了经济增长势头,二氧化碳排放量开始再次上升。

蓝天和空气一样,对每个人都是平等的。
Will Smith had a very successful career in the late 80s and early 90s as the second half of rap duo DJ Jazzy Jeff and the Fresh Prince. But in spite of his financial success, Smith did not manage his money well. It's a pretty classic tale, really. New fame, lots of money, no future plans, and lots of fancy toys added up to a lot of overspending. This lack of oversight and fiscal irresponsibility landed him on the brink of bankruptcy. He owed the government back taxes that he had not paid.
最近,无人驾驶汽车的新闻屡见报端,它也叫做自动驾驶汽车。谷歌的自动驾驶汽车是此行业的领头羊,已行驶48万千米(30万英里),仅发生过两次交通事故,还都是人为因素造成的。事实上,无人驾驶汽车并不是新奇事物,早在达·芬奇发明以弹簧发条作驱动带内置预设程序的马车时,自动驾驶的概念便名噪一时。
Other notable custom course performances include Harvard Business School, which recorded one of the year’s biggest rises, jumping nine places to fifth. The Massachusetts school was ranked 18th two years ago.

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.

特斯拉是一款富人车。在均价85,000美元的水平线上,可以说买特斯拉的人没人会在意汽油钱。特斯拉在续航里程上的短板,也说明了它绝对不会是车主家里的唯一一辆车。如果这些人的新鲜劲儿过去了,特斯拉的订单储备就会缩水,也会像其它厂商一样需要为销量打拼。
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supreme

Lecent Ross枪击案已逮捕两人
触摸屏主要生产商蓝思科技的周群飞以450亿元的资本净值位列榜单第3。
n. 珠宝,珠宝类
在气候学的史册里,2014年超过了2010年,成为最热的年份。有记录以来的10个最暖年份都是在1997年以后,反映了地球不断变暖的趋势,科学家说,这种变暖是人类活动的结果,并对人类文明和大自然构成了深远的长期危险。
The global survey was conducted between 2010 and 2012 and follows the Earth Institute's first rankings released last year. While "the world has become a slightly happier and more generous place over the past five years," economic and political upheavals have resulted in greatly reduced levels of well being for some nations, the report said.

Comparing regions within specific categories of costs, the EIU notes that Asian cities are the most expensive for grocery shopping, with Seoul in South Korea the priciest for food. European cities are the most expensive in terms of recreation and entertainment.
The World Cup, on the other hand, was searched for as both a sporting event and a cultural experience.
据雅虎的统计,新闻取代了名人成为2010年的最热门搜索项,搜索量最大的两个新闻热点是英国石油公司的墨西哥湾漏油事件和南非世界杯足球赛。
她是头号权势女性:过去10年里,德国总理默克尔八度上榜——其中七次都荣登榜首。

Will Washington's tentative truce continue?
Why? Just add in the intensifying anger after the Supreme Court's decisions over same-sex marriage issues and gays, add in the growing anger over abortions, Obamacare, gun control, food stamps, the new voter suppression pushed by GOP governors, plus more threats by conservatives and the tea party to dig in their heels and fight to overturn everything and increase austerity too.

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

Leila Janah
2)我相信你的判断:这句话的言外之意:“你征得了我的许可。我信任你。好吧,去做吧。”听到这样的话,是不是感觉很振奋?我保证你会为说这种话的人赴汤蹈火,因为这些话让人感觉如此振奋。你的员工也罢,你的同僚也罢,效果没有区别。
President Obama leads the pack. On top of the $400,000 a year, he gets a tax-free expense account worth $50,000. The salary was last raised by Congress in 2001.
中国人民大学近日发布的我国大学生创业报告显示,学生学位与其创业意愿成反比。

Will the housing sector adjust easily to higher interest rates?
黑莓在周三下午的一份声明中表示:“黑莓尚未与三星进行过任何潜在的收购谈判。黑莓的方针是不对谣言和揣测加以评论,因此我们也不会对此做出进一步说明。”

If managers suspect you're looking elsewhere, your LinkedIn profile is often the first place they'll snoop, says Jenny Foss, founder of the career blog JobJenny.com and author of "Ridiculously Awesome Job Search Kit." "It's where a lot of people tend to get busted," she adds。
12岁女孩发现古埃及护符
一家国际医学杂志撤销了107篇中国学术论文,由此引发了人们对中国学术诚信的关注。被撤稿的作者多数是临床医生。
The third gunman, Amedy Coulibaly, who stormed a kosher supermarket on Friday,never left for such training, said Valls.
在简历中提到你的孩子和嗜好没有任何好处。永远不要说,“我的孩子上大学了,我就能安心回到工作岗位了。”