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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.

城镇新增就业1100万人以上,城镇登记失业率4.5%以内;
Mr Mallaby accepted the award at a dinner in London on November 22, where the guest speaker was Dido Harding, chief executive of TalkTalk, the UK telecoms group.

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

所估计的收入来自电影、电视、化妆品及其他公司代言。宝莱坞女星迪皮卡?帕度柯妮是唯一一位首次入围的女星。

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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Key projected targets for development this year:
喜剧类最佳剧集:《副总统》(Veep, HBO)
Total net profit for China’s commercial banks grew by 2.4 per cent last year, according to data from China’s bank regulator. Smaller banks saw increases in profit growth, while bigger banks slowed down.
We will make big moves to improve the environment for foreign investors.
A new report released just last week confirmed that many of us are still using the word 'password' to access our accounts.
The quality of consumer goods imported through channels other than e-commerce proved to be higher, with only 29 percent falling short of standards, according to figures released by the administration.

Experts say that 2016 was a remarkable year for the Chinese film industry as it realized growth while facing multiple challenges including the rapid development of the internet, the increasingly sophisticated tastes of Chinese audiences, and the economic downturn in the country.
这篇文章发表后,美国参议院很快投票通过了《反就业歧视法》(Employment Non-Discrimination Act)。这样,在工作中歧视LGBT群体也有可能成为违法行为。这项法案即将提交众议院审议。
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Haruhiko Kuroday, the Japanese central bank governor said: “I think we can be cautiously optimistic about the global outlook.
皮耶里在大型消费类产品公司工作过多年,如Stride Rite和科迪斯(Keds)等。所以,这种夫妻店在推出新产品时所遇到的困难令皮耶里感到失望。她解释道:“越创新的产品,因为与主流和‘已知’相悖,因而越难销售。”因此,她在五年前成立了The Grommet,这个信息分享平台会将消费者与发明者的故事和产品联系起来。皮耶里的公司帮助发布的产品包括自制碳酸饮料机Sodastream和智能腕带Fitbit。她一直把惠普公司(HP)CEO梅格惠特曼作为自己的导师,并在哈佛商学院(Harvard Business School)担任入驻企业家。
3.1 用改革的办法深入推进“三去一降一补”。
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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

会,即便真实的GDP增速未超过这个数字。关于中国真正的(相对官方数据而言)GDP增长率的猜测,已经衍生出一个由相关经济学专家组成的作坊式行业。官方数据看似稳定而美好——有人怀疑中国有关部门对数据进行了“美化”,调整了一些数字、使其符合增长目标。因此,即使2018年中国的增长磕磕绊绊,官方的增速也几乎肯定会高于预定的6.5%。
把产品的一端贴合身体部位弯曲,或者绕在座椅靠背上,另一端弯曲成能保护头部安全的造型。旅客还可以用旅行枕的手状设计放置电子设备看电影。

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.

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几乎所有的创业者(93%)都将获得新技能列为自己决定读EMBA的重要或非常重要的因素。“我知道自身技能的价值,而不必‘担心’没有工作,”其中一位创业者说。
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总体来看,36%的人相信末日论,而63%的人相信是气候变化的结果。
Fewer women than men have worked abroad for at least six months (42 per cent and 52 per cent respectively) but they share exactly the same motivations — to develop management skills, build their network and increase their earnings.
如果你处于失业状态:

5.星巴克。品牌喜爱度:26%/社交商务指数排名:26
人力资源机构罗伯特?哈夫国际公司(Robert Half International)最近针对4,000名企业高管进行了一项调研。其中有88%的人预计,未来一年,公司的业务将有所好转。这不失为最鼓舞人心的消息了。

Google has now said it won't make him pay the fee.
As the title suggests, the show also features the mothers of the pupils and the way that they often pit their children against each other.
Yan Pu, head of portfolio review in Asia at Vanguard, suspects the Asian product mix may be holding things back. For example, Asian providers offer plenty of equity ETFs but very few fixed income products. In the US, she notes, fixed income ETFs are growing rapidly.

AdWords事实上是一个竞价排名系统,在支付费用之后,它会把客户的广告列在谷歌搜索结果和其他网站的靠前位置。只有当有人点击这些广告链接的时候,客户才需要支付费用。
捷蓝航空公司发言人珍妮·德文(Jenny Dervin)说,“我们75%的航班在东北部起降,无论是纽约还是波士顿,早上航班的延误都可能会影响这架飞机的整条航线。”美国东北部特别容易受到冬季暴风雪的影响,导致航班延误。
其中,由于IT/互联网/通讯/电子行业迅猛发展,吸纳了近三成的2016年应届毕业生。
n. 初次登场,首次露面 v. 初次登场

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.

Initial success was achieved in supply-side structural reform.
而90后微信用户数量则略有下降,从94.1%跌到了86.6%。
达奇斯说:在这一年中,卡夫支持转基因食物,这个决定使得这个品牌成为了2012年的输家。

Remedy: While the idea of being your own boss is an attractive one, not everyone is cut out to be an entrepreneur. Being responsible for your own success, creating a legacy for your family and improving the lives of clients and customers certainly sounds romantic, but what about the long hours, the lack of leisure time, the risk of financial failure, the fact that you’re the boss, entry-level employee, marketer, accountant and janitor all rolled into one? If you value job stability, prefer a singular focus over multi-tasking, aren’t particularly comfortable with risk and can’t imagine yourself hustling for new business on a daily basis, the entrepreneurial lifestyle isn’t for you.
China's Ministry of Education (MOE) said at a news conference that most of the world's foreign students who study abroad are from China.
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Yes. In 2018 President Trump will deliver on some of his protectionist campaign rhetoric by taking punitive actions against China. The most likely triggers for action will be official reports that the Trump administration has commissioned into China’s alleged theft of intellectual property, and its subsidised production of steel and aluminium. The president, spurred on by his trade team, is likely to order retaliatory measures, including tariffs. Whether that marks the first shot in a trade war will depend on how China reacts. A Chinese decision to impose retaliatory tariffs, or to take America to the World Trade Organization, will signal the opening of hostilities.
但经济学家总体上预计,一旦飓风造成的失真消失,前段时间的趋势就有望恢复并延续。接受《华尔街日报》最新月度调查的45位经济学家预计,到明年6月,失业率将降至7.8%,2013年年底将降至7.5%。部分经济学家说,就业增长可能会摆脱现在的缓慢速度而加快。信安环球投资有限公司(Principal Global Investors)经济学家鲍尔(Bob Baur)说,我觉得到时候企业将必须招人。[qh]
Back in the movie wasteland of last January, no one could have guessed what a bounty of good films the year would bring. Not just good films, but several that measure up to our idealized notions of what the medium once was. Two candidates for the top of the heap pretty much chose themselves. For sheer entertainment, the clear call is 'American Hustle,' David O. Russell's joyous celebration of 1970s-era con artists and their intricate cons. For innovation-a new theatrical experience born of new technology-'Gravity' whirls in its own orbit. With the understanding that there's nothing to be said against 'American Hustle,' and everything to recommend this screwball comedy for the ages, I think 'Gravity' is the best movie of the year.
n. 谣言,传闻

In a televised debate on Monday night, Mr Wilders called on the Netherlands to expel the Turkish ambassador.
谷歌2017全球搜索排名前十

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

陈宇说:“一些互联网行业的天才创造了很多奇迹,但这并不代表一切。每个行业都有各自的规则。在你在这一行业开始之前,你必须要知道如何生产产品,如何销售,如何经营一家公司。我们不能期待一个刚刚毕业的大学生一开始就知道这些经验。”
8. “The Diary of a Teenage Girl” In her terrific feature debut, Marielle Heller traces the artistic and sexual awakening of a 15-year-old (a sensational Bel Powley) whose desires leads to adulthood.
该协会的首席经济学家Lawrence Yun预计,到今年年底,30年期固息抵押贷款的平均利率将触及5.5%,高于去年底的4.5%和去年上半年的3.5%。抵押贷款利率在短期内如此急剧上升,可能会损害购房者的承受能力,甚至吓退更多购房者。
Promoting social development to ensure and improve the wellbeing of our people

中国上海市场研究公司艾瑞咨询集团(iResearch)此前的一份报告说,中国网络游戏市场2008年收入为人民币208亿元,约占全球市场的27%,这一比例高于韩国的21%,略低于美国的29%。该公司还预计,中国可能会在2009年底前超越美国,成为全球最大的网络游戏市场。
英国演员丹尼尔卡卢亚扮演的克里斯华盛顿卷入到一个美国小镇的邪恶阴谋中。

威尔·史密斯早年成名,那是上世纪80年代末90年代初,他做嘻哈组合"DJ爵士杰夫&活力王子"的后期成员时。然而,虽然他赚得盆满钵盈,却不善于管理金钱。这真是个老掉牙的故事。名望、金钱扑面而来;却没有远见,空有一堆玩物,最终导致超支。对财产的监管意识与责任感的缺失,让他从富有的顶峰一下跌到破产的边缘。没落之后,他欠政府的退缴税一直没能偿还。
An ancient Egyptian amulet was uncovered in Jerusalem by a young girl taking part in a family dig in the capital.
制造业PMI降至5个月以来的最低水平,是由于受访企业表示,更严格的环保政策限制了业务扩张。这些政策旨在遏制每年冬天笼罩中国大部分地区的有毒烟雾。
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The former pupil at Audenshaw's Poplar Street Primary is studying at Withington Girls' School and starts at Altrincham Grammar School for Girls in September. She lives with her parents, Neelanga and Shiromi, who moved to Manchester from Sri Lanka in 2001. Dad Neelanga, 44, praised Nishi's first teachers at Poplar Street Primary. He said: 'We knew very early on that she was gifted. She started reading and writing very early and was became very good at mathematics. We gave her challenging, interesting things to do. As a parent, you do not want their talents to be wasted, but there has to be a balance with their childhood. She is just a normal 10-year-old, just like any other 10-year-old really. She loves reading, cycling and walking, and we're all very proud of her.'