What Is a Finance Charge, and How Do I Avoid Paying One?
If you're savvy, you can avoid credit card finance charges entirely.
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.
要让产品显得很“酷”并不是唯一的目的。科技行业如果想让我们身体的更多部位连上网络，那么安全问题和隐私问题，尤其是顾客数据管理问题，依旧需要慎重考虑。正如《经济学人》（The Economist）所说，蓬勃发展的传感器的魅力，以及可穿戴设备的算法，分散了人们对于其他要素的关注。这些关键的其它要素包括：“标准、互通性、一体化、数据管理”，以及“知识产权、执行标准”。对国家安全局（National Security Administration）而言，这些技术发展都必须以网络安全为前提。
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
《傲骨贤妻》(The Good Wife)：艾丽西娅(Alicia)的秘密暧昧对象威尔（Will，乔希·查尔斯[Josh Charles]饰）在第五季末死去，CBS频道的这部性感法庭剧似乎要完蛋了，但是第六季却似乎充满了疯狂的能量——艾丽西娅初露头角的政治竞选、新旧公司的权力之争、合伙人卡里(Cary)的棘手法律事务。艾丽西娅不再那么完美，《傲骨贤妻》因此更好看了。
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.
Read:欧普照明净利下降 OEM模式现隐忧 ]
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
One fifth of the rich in the 500 list are from the information technology industry, and capital players are fading away from the list.
9. How to reset iPod
1.It wasn’t me! – Because some things just aren’t worth taking credit for。
12. 最有希望的迹象。有段时间，你会觉得现状已经改善了，人们可以公开大声谈及业内的歧视现象。维奥拉·戴维斯(Viola Davis)出来说话，詹妮弗·劳伦斯(Jennifer Lawrence)公开谈起，自己比片中的合作男星片酬少。“我不想被视为‘难搞’或者‘被宠坏了’，”她在简报《伦尼》(Lenny)中为许多人发言，其中包括许多薪酬更低的人们。
4. Will China's one-child policy change in 2010?
The excavators think the cemetery datesback around 1,700 years, to a time when Kucha was vital to controlling the Western Frontiers (Xiyu) of China. Since the SilkRoad trade routes passed through the Western Frontiers, control of this key region was important to China's rulers.
Fiddle with items, your hair, flick your fingers, rub your leg, pace, rock, and bite your lips.(Well, most of that could just be on the "how to cumberbatch" list)
Airlines with operations based west of the Rockies boast the fewest flights that arrive late during the holidays, according to data compiled for Forbes.com by FlightAware.
And second, while perceptions haven't changed much, the reality has: Making sure stuff gets where it needs to go, as cheaply and efficiently as possible, has evolved into a high-tech, high-stakes game that calls for a scarce combination of "hard" and "soft" skills.
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
Washington's twin-obsessions in election year 2010 will be to create jobs and cut the deficit. Little will be accomplished on either count.
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.
Read:湖北城建大提速、大变局 改革开放40年 百强房企70强入武汉 ]
A lack of capital and experience is the biggest obstacle for college entrepreneurs, the report suggested, stating that 40 percent of such young entrepreneurs rely on external capital such as loans from banks, investment organizations, schools and the government.
The GM turnaround will drag on. Forget a 2010 IPO.
Apple CEO Tim Cook
Information technology was the third largest sector with 18 brands shortlisted. The total value of listed IT brands accounted for 22.5 percent of the list. Average value increased 10 percent. Beijing is the preferred headquarters location for the IT sector, and 12 listed IT brands set their headquarters there.
Local farmers must love this wireless company as much as its employees do. Once a week, San Diego-based Qualcomm hosts a farmers market at two of its locations. Items sold range from traditional produce to jams and jellies. Employees with CSA veggie box subscriptions can pick up their produce packages at one of the HQ's cafés.
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 Southwestern African country owns over 20 national parks and has the world's oldest deserts.
It is the eighth straight year that the metropolis has led Chinese cities in terms of consumer spending.
It also has a lot of inexpensive museums, cheap vintage trams and beautiful pebbly beaches. Day trips to vineyards are easy to arrange.
The cemetery was first found in July 2007and was excavated by the Xinjiang Institute of Cultural Relics and Archaeology,with assistance from local authorities. The research team, led by Zhiyong Yu,director of the Xinjiang Archaeological Institute, published the findings in Chinese in the journal Wenwu. The article was recently translated into Englishand published in the journal Chinese Cultural Relics.
Tracey and Viv Williams, a British couple, dressed as the green cartoon ogres from Shrek at their wedding held recently. Tracy, 33, made a lovely Princess Fion
The EU is making clear it wants to use the void in US leadership on trade to nail down new trade agreements. The negotiations with the Mercosur trade bloc in Latin America have been going on in fits and starts for more than a decade. But the EU and key Mercosur members like Argentina are now pushing to conclude a deal by the end of this year. That would be a big statement planted right in the US’s backyard.
The ranking includes schools from 26 countries, including 35 in the US, 10in the UK and nine in China. Renmin University of China School of Business in Beijing rose furthest, climbing 18 places to 43rd. Four schools made it into the ranking for the first time. These are led by Cambridge Judge Business School at 36th. France’s Grenoble Business School is ranked 70th, Turkey’s Sabanci University School of Management is at99th, and Brazil’s Coppead is at 100th.
Read:Best Rewards Credit Cards. ]
With U.S. e-commerce activity approaching 10% of all retail sales, more merchants are shopping around for easy-to-use platforms that get them selling online quickly.
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
Despite the reported success of the Duke and Duchess of Cambridge's official visit to Canada back in September, timekeeping needs to be looked at for future trips.
After the officials realized what had happened, they tried to get on stage immediately. But the news was broken to the La La Land cast and crew after they had started their acceptance speeches.
Tags: credit cards
“If they, say, delay a customary process for Korean imports and take other retaliatory measures on Korean products, there is nothing Korea can do about it,” he said.
Last year, the General Administration of Quality Supervision, Inspection and Quarantine conducted random quality inspections on 1,013 batches of such products, including consumer goods such as toys, paper diapers, clothing and kitchenware, with 415 found to be substandard, accounting for 40.9 percent of all sampled products, according to Han Yunping, spokesman for the administration.
Talk show host and comedian Ellen DeGeneres will host the Oscars ceremony for a second time.