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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?

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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.

Recipient: Kim Kardashian
对于购房者,也不都是坏消息:房价明年(2015年——译注)仍将上涨,但步伐可能会从飙涨趋于平缓。“房价不会一味地陡然上涨,”柯克兰集团(Corcoran)的首席执行官帕梅拉·利伯曼(Pamela Liebman)说,“买家都有点疲劳了。”

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

然而,007系列电影主题曲却并没有人们想象的那么历史悠久。第一部《诺博士》和第二部《俄罗斯之恋》没有开场曲,而是安排了管弦乐。《诺博士》甚至插入了《三只瞎老鼠》的怪异演奏。随后,《女王密使》才开始有了开场曲,并且在影片的中间和结尾插入了主题曲。

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

Average years of work experience: 12

“暂时没有名字的泡沫”依然是泡沫。但美国人太不在乎、太麻木、太不接受事实,所以听不到警告声音。这让我想起2000年3月20日我一篇文章的标题:“下次崩盘,对不起你们永远不会听到它的到来”(Next crash, sorry you'll never hear it coming)。
“我非常激动,皮草被禁止参加伦敦时装周是个巨大的进步!” 费斯回应道。
得益于网络游戏产业的快速增长,网易公司创始人丁磊的财富翻倍至960亿元,超越了百度公司董事长李彦宏,在IT富豪榜上排名第三。
竞争对手在网上的表现如何?谷歌的搜索广告关键词规划工具会帮助你解答这个问题。“搜索广告”这个词可能会令有些企业家望而却步,因为它似乎会要求你买广告位。但事实并非如此,只要有谷歌账号,任何人都能使用这个关键词规划工具(不过你首先必须点击Adwords的进入端口)。然后你可以使用关键词规划工具来看看在你从事的领域中,哪些关键词会吸引最多的搜索量,然后找出吸引流量的机会。
This year's juries were chaired by AFI board of trustees vice chairs Tom Pollock (for film) and Richard Frank (for TV). Other jury members included Judd Apatow, Halle Berry, Jamie Lee Curtis, Leonard Maltin, authors and scholars representing prestigious universities with recognized motion picture arts and TV programs and film and TV critics from media outlets like NPR, Rolling Stone, TV Guide and The Washington Post.
Any decision by China’s policymakers to begin selling down the country’s huge reserves would have a large impact on markets.

《那年花开月正圆》并非改编自小说,而是基于真实人物女商人周莹的故事拍摄的。周莹生在清朝(1644-1911),是当时的陕西省女首富。
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An investigation is continuing into how La La Land was wrongly named Best Picture rather than the triumphant Moonlight.
国家统计局高级统计师绳国庆将这一下滑主要归因于食品价格下降了1.4%,这是15年来的首次下降。

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继去年10月被《时尚先生》杂志评为“最性感在世女性”、上月被《Details》杂志评为“最性感明星”后,这位美丽动人29岁女郎又得到一个荣誉称号:《男人装》杂志评选的“2013年最性感女性”,她打败了在榜上的其他99位女性和不计其数的未上榜女性。
上证综指下跌6.85%,以科技版块为重点的深证综指下跌8.22%。
Age: 46

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

Late last year, the World Health Organization declared that Zika virus was no longer a global emergency. But the disease’s effects on babies who may live for decades are only beginning to be understood. In northeastern Brazil, where links between the virus and birth defects like microcephaly were first detected, families struggle to give the best lives possible to stricken babies. Researchers hope to find clues about the virus’s effects on the fetus by studying pairs of twins in Brazil in which one was born with birth defects and the other was not.
That's become a common refrain in Brazil - where the billions spent to build new or upgrade existing football stadiums both raised public ire about how the money was spent and has already caused ticket prices for Brazilian national soccer league matches to rise sharply. Some fans complain that's turned what were once affordable, raucous stadium experiences in Brazil into more costly and less spontaneous visits to storied stadiums like Rio's Maracana.

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.

时间:2011-02-16 编辑:beck
But 'averages' are old data, not future facts. Happy talk won't restart a bull. And more warnings won't puncture an old bubble. Cycles have lives of their own, move up and down when they damn well feel like it. That's nature.
May the bright and festive glow of New Year candle warm the days all the year through. Hoping you will have a wonderful time enjoying New Year that is happy in every way.
《大汉情缘之云中歌》改编自桐华网络小说《云中歌》。它以西汉时期(公元前206年-公元220年)为背景,讲诉了名为云歌的女子、贵族公子孟珏和汉昭帝刘弗陵之间的传奇爱情。该剧和《琅琊榜》同月播出,风头却几乎被《琅琊榜》完全盖过。它也因历史漏洞广受诟病。对某些观众而言,杨颖的颜值恐怕是该剧吸引他们的唯一亮点。

The annual rich list of China's movers and shakers gives a temperature check on where money is flowing in China, and underlines the growing financial muscle of the country's super-rich.
她说:“1到10,我觉得自己只能拿9分,因为我一定还有提升的空间。我知道我可以走更远。”
爆破公司总指挥贾永胜告诉中国国营电视台CCTV说:像这样在市中心的大规模爆破任务,不但要保证爆破结果(精确),还要控制爆破产生的不良影响。

“他还是抽雪茄的,他抽很多、很多雪茄。”
雷文斯克罗夫特最终不再从事教学工作,他创办了Enabling Enterprise,这是一家寻求减轻学校和企业脱节现象的机构,它让学生走出教室,从事实践项目并实地探访包括瑞银(UBS)和富而德律所(Freshfields)在内的企业。

The company is hardly alone in its efforts to woo talent of a different sort. Earlier this year Intel announced a collaboration with the Council of Fashion Designers of America, or CFDA, kicking off a partnership with the high-concept retailer Opening Ceremony to design its smart bracelet. Tory Burch partnered with Fitbit to design pendants and bracelets akin to the Shine Tracker by Misfit Wearables. And Apple AAPL -1.03% has tapped a diverse group of people, including former Burberry chief executive Angela Ahrendts (to lead its retail efforts), former Yves Saint Laurent CEO Paul Deneve, and former Nike NKE -0.71% design director Ben Shaffer.
“We know the Netherlands and the Dutch from the Srebrenica massacre,” Mr Erdogan said, invoking the most shameful episode in modern Dutch history. “We know how rotten their character is from their massacre of 8,000 Bosnians there.”
立场:支持移民改革

至少希拉里今年赢得了点什么。我相信她会非常兴奋。
达洛伊西奥说,我本来只是打算在苹果app store用一两英镑的价格出售这个软件,然后用赚来的钱给自己换台新电脑。我之前从没联系过任何投资商。而如今一个香港的亿万富翁竟然给我发电邮了,这太诡异了。第一封邮件我没有回覆,于是他们又给我发了第二封。2011年8月份,他的父母带着不可置信的心情陪他一同与维港投资的代表进行了会面。会谈结束后,达洛伊西奥获得了30万美元的种子投资。
在排名靠前的学校中,英国华威商学院(Warwick Business School)排名提升最大,从第16位提升至第9名。整体而言,上海交通大学(Shanghai JiaoTong University)的上海高级金融学院(Shanghai Advanced Institute of Finance)排名提升最大,从第28位提升至第14位。
中国与世界其他地区的贸易10月同比大幅下滑,原材料进口受到尤其沉重的打击,中国投资放缓削弱了这个全球最大商品贸易国的需求。

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.

Best Companies rank: 61
The survey discusses projections for going forward: "The cost of living is always changing and there are already indications of further changes that are set to take place during the coming year."
Apple tops the list of World's 500 Most Influential Brands for 2016, compiled by New York-based World Brand Lab and released last Monday.

“在这种情况下,这些学生的言论自由权利根本没有被侵犯。”
昨日,中国四大国有银行中的两家——中国工商银行(ICBC)和中国银行(BoC)——均报告称,2015年全年净利润增长低于2%。
n. 鼓励
Last year, quality supervision authorities across China handled 36,000 cases relating to violations of laws on quality standards, involving 2.3 billion yuan's ($333 million) worth of goods, Han said.
A New Year greeting to cheer you from your daughters.

The list presents an annual snapshot of the ever-changing global business landscape. The U.S. holds onto its crown as the country with the most Global 2000 companies: 564. Japan trails the U.S. with 225 companies in aggregate, despite losing the most members (26) this year.
法律
6.I’m 29. – Because 29 is like 20 years younger than 30.
尽管苏富比把这个分为两场的拍卖会宣称为“伯恩海默藏品拍卖会”,但是结果证明,他的藏品并不好卖。在11月24日的夜间拍卖会上,42件拍品中只有22件找到了买家,价格最高的是尼古拉斯·朗克雷(Nicolas Lancret)1732年的油画《小步舞》(Le Menuet),它描绘的是一场浮华的游园会,里面有天真烂漫的舞者,售价为19.7万英镑(含佣金)。2005年,这幅画是以74.4万美元的价格在拍卖会上购得的。

adj. 暴露的,无掩蔽的,暴露于风雨中的 v. 暴露,
星巴克首席执行官霍华德舒尔茨

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

指数:93.6
The Cnzz.com report also discusses the problem of the 'free-to-play' business model that's prevalent in China's online game sector. While many games companies in the U.S., for example, charge subscription fees, most Chinese games utilize the free-to-play model, which allows players to try out a game without paying. The longer players stay in the game, the more likely they will be to pay for in-game items to move up into higher levels of play. But that also means that people who spend the most money are the best performers.
添加方式1.扫描上方可可官方微信二维码。
Zuckerberg also helped launch a lobbying group that is working toward immigration and education reform in the U.S called FWD.us.

纸筒插秧机可以让一名使用者在几分钟内在85英尺(约合26米)长的一块田地里种植264棵幼苗。这在以前通常耗时数小时,如今只需几分钟。使用者在种植农作物上花费的时间更少,可以节省出更多的时间做其他的事,比如农田改进、市场销售、或者干脆休息休息。
印度总理纳伦德拉莫迪(Narendra Modi)会尝试更多非正统的经济试验吗?

据Mic上周报道,脸书表情包分享群组已经成为一个新兴的大学传统,全国各地的学生们用截图和配字互开玩笑,与对手学校互怼。
Pop superstar Gaga also took home the award for best actress in a limited television series or movie for her role as the villainous Countess in American Horror Story: Hotel. The Born This Way singer made an emotional speech as she was awarded a Golden Globe for her role in the HBO hit.
还记得《类人猿行动》吗.这是一部被众人忽略的2016年早些时候的电影,由杰米.多南和斯里安.墨菲担任主演,讲述了对希特勒身边的三把手、党卫队将军莱因哈德.海德里希进行的一次失败暗杀。《行动代号:猿人》也尝试讲述这一故事,杰克.莱诺和奥康奈尔将在片中饰演密谋的士兵,而罗莎曼德.派克和米娅.华希科沃斯卡是他们片中的感情对象,杰森.克拉科则饰演他们的刺杀目标。
*最佳综艺节目台本创作:《约翰?奥利佛上周今夜秀》(Last Week Tonight With John Oliver)
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