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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.

6. It’s not that the story ended badly; it’s that we expect too much of the story.
我们要求FlightAware对航班抵达延误情况进行统计,而不是航班出发延误情况,因为有时候,航空公司可以让飞机在空中飞行期间追回地面上失去的时间。

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

然后,他用那把小提琴砸穿了那幅画。

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

Judge for yourself.

3. “Spotlight” (Tom McCarthy)
猪肉和蔬菜价格均同比下降了逾8%。
Baoneng is believed to have borrowed heavily to fund its share purchases in Vanke and is now the developer’s largest single shareholder with a 25 per cent stake.
为大批来自欧洲经济区以外的学生安排签证难度较大,这在一定程度上解释了为何英国商学院在国际课程经验方面表现奇差,有14所英国商学院位于这项指标排名的后半部分。
US billionaires hold 540 spots on the list, more than any other country in the world. In second is China with 251 and German with 120.
We will ensure workplace safety and people's lives.

尽管购汇限制并未调整,但监管部门现在要求个人详细披露到底要用购得的外汇去做什么。购得的外汇只能用于旅游和购物、留学、境外求医以及咨询服务等经常项目支出。房地产和其他投资性支出属明确禁止之列。
“理查三世研究小组”的成员菲利帕?朗丽说,她希望能重塑理查三世的形象,都铎王朝的继任者塑造出来的片面形象将不复存在。她负责协调研究工作以及筹款。
9.亲爱的贵客们,我们希望英国能为你们贡献一个美好的夏天,这个夏天包括了顶尖的国际赛事、先进的设施、有趣的娱乐、以及汇集了几个世纪的艺术建筑精华的文化遗产。如果你最终只收获了四张卓著国际中心的摔跤比赛门票,好吧,祝你下次好运。
About now, new CEO Gorman is probably learning that the meager profits of a retail brokerage can't pay for all those monster Wall Street bonuses. Expect Gorman to decide that Morgan Stanley should be a lot more like trader Goldman Sachs, after all.

在库克雄辩地捍卫平等之际,美国同性恋婚姻运动遭遇了不顺的一年,也恰逢舆论正激烈批评包括苹果在内的硅谷公司的管理者缺乏多样性,而这些管理者对美国文化具有巨大的影响力。
These countries performed the best overall in the 2017 Best Countries rankings. The rankings aim to gauge global perceptions of the world’s biggest economies.
包括加拿大在内的北美地区票房收入达到了111亿美元,同比去年上涨8%,这主要要归功于包括《侏罗纪公园》(本土票房6.52亿美元)、《复仇者联盟:奥创纪元》(4.59亿美元)、《头脑特工队》(3.56亿美元)等几部大卖影片。
"I have school tomorrow, so I can't stay up late," she told the paper.

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

2. "Breaking Bad" (4.2 million)
China is preparing to sign more bilateral or multilateral agreements with other countries, and will enhance information exchanges and joint investigation especially with Western countries such as the US, Canada and Australia on some major or individual cases, according to the CCDI.

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.

"It is my belief that due to their lack of ability to curve cheat codes and others from modifying their game, they are using a 14-year-old child as a scapegoat to make an example of him," she said.
adj. 不可否认的,无可辩驳的
记者们注意,求职网站CareerCast.com传来了一个坏消息:你们的工作当选“2015年美国最差职业”。另两种传媒业工作也在这份榜单上高居前列,和一些重体力工作排在一起。
北京某投资公司总经理汪杰表示,金融和地产业高管较高的薪酬反映出我国发展不平衡的问题。

根据声明,通州新的行政中心将把基础设施升级和生态建设放在首位。北京市政府希望可以提高该地区的教育、医疗、文化事务与产业在内的公共服务发展。
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Bottoms Up is the revolutionary new way to serve beer. The Bottoms Up system saves time, eliminates waste and awes customers!

The Shanghai Stock Exchange saw 26 IPOs, while its Shenzhen counterpart saw 15 IPOs of small-and-medium-sized enterprises and 20 start-up companies.
DOWNTON ABBEY (PBS, Sunday) Season 5 begins with new blows to Lord Grantham’s self-esteem and the somewhat Victorian touch of an illegitimate baby hidden away in a cottage. For those who haven’t already pirated the British broadcasts or read the recaps, let’s just say that the first episode involves a very heated situation.

“在香港地区,房地产的基本面明显放慢下来,”他说,“我减持了一点儿,然后很快发生了全面调整,所以我等到反弹后,卖出了一部分。”
在数年的停滞之后薪酬将会加速提升
Chen Lihua, 75, founder of Fu Wah International Group, a company engaged in real estate development, has become China's richest woman with a net worth totaling 50.5 billion yuan, according to the report Richest Women in China 2016 released by Hurun Research Institution.

This is the second time that both enterprises and institutions have adjusted basic pension, since the first simultaneous adjustment in 2016.
Wal-Mart U.S. president and CEO Bill Simon
他赢得了名动词奖,而其姐妹奖,最佳动词名词化奖,则由另一位顾问凭借这句“全球联络”(global touch-base)摘得。
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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.

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"Moreover, most Chinese families only have one child, so many of us return to China because we want to stay close to our family and friends," said a student surnamed Su, who gave up his job in the UK and returned to take care of his mother in China.
以下是根据官方数据(所有收入均按市场汇率折合成了美元)得出的世界主要国家领导人收入排行。

The ground-breaking discoveries in physics, have ignited a firestorm of research, and it’s only a matter of time before their research leads to advances as unimaginable to us now as lasers and computer chips were a hundred years ago, Laura H. Greene, president-elect of the American Physical Society told The New York Times.
该机构在2014年的一项调查显示,在完成两年教学的受访者当中,86%表示他们通过自己的工作为改变教育不平等采取了行动,65%表示在工作以外采取了行动。
摆放一个小书架,用来放自己的杂志或报纸,这一方面有利于节省空间,另一方面可以让你能够很快找到自己想要的东西。
胡润百富榜创始人胡润表示,姚振华代表了一类新型的中国富人,他们的财富不是来自贸易或者制造业,而是来自金融市场操作。
Amazon founder Jeff Bezos rose to No. 3 on the list for the first time, thanks to the jump in in Amazon shares, which boosted his net worth to $72.8 billion.

7. 《出局:禁止接触》(Out 1: Noli Me Tangere),导演:雅克·里维特(Jacques Rivette)。
il不+legal合法的→不合法的
这部由塞巴斯蒂安.马拉比(Sebastian Mallaby)所著的《知者:格林斯潘传》(The Man Who Knew),是这项奖金额为3万英镑的奖项的第12位获奖者。该奖项奖励的是年度“最令人瞩目和愉悦的”图书。
Leila Janah

他说:“国内需求增长太慢,而新增出口订单的增幅又放缓至5个月内的低点……我们依然预计(中国政府)会推出进一步货币和财政宽松举措,以抵消经济增长的下行风险。”
demo人民+-ic…的→民主的,民主主义的;民主政体的

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

China’s outbound non-financial investment fell 40.9 per cent during the ten months through October, according to official figures, reflecting the enduring impact of strict capital controls.
Based on the children's books that goes by the same name, this movie follows the adventures of Mowgli through the Jungle as he tries to discover himself. He comes across several creatures in the Jungle, played by various actors, who make his journey difficult.
Job history
circulation

单词posture 联想记忆:
At tech start-up conferences, such as Slush in Helsinki in December, everyone was talking about experiences. The coming year is likely to see a wider adoption of virtual reality, which places the user in a digitally enhanced environment, and augmented reality, which overlays digital information on to the real world, creating new digital businesses.

2. 《头脑特工队》,导演:彼得·道格特(Pete Docter)。
特里萨?梅(Theresa May)依然面临着党内阻力。自由民主党(Liberal Democrats)的智者兼领导人文斯?凯布尔(Vince Cable)依然认为脱欧可能不会真的发生。
当大脑没有得到充分休眠时,它确实就开始自噬了。在我们睡觉的时候,“清除”程序通常就会启动,但长期缺乏睡眠会使该程序处于高速运转状态,促使大脑清除大量神经元连接和突触连接。
14. On the Other Hand Here is an estimate of the movies directed by women that were released by major studios this year: Warner Bros. (five! — Lana Wachowski, Anne Fletcher, Dana Nachman, Nancy Meyers, Patricia Riggen); Universal (three — Sam Taylor Johnson, Elizabeth Banks, Angelina Jolie); Disney (one — Niki Caro); Paramount (0); Fox (0); and Sony (0). (I excluded Fox and Sony’s specialty units.)
乌拉圭之所以取得成功,不仅仅是因为它对足球的激情,还因为其早期文化的包容性。在1950年世界杯上,当时其邻国巴西仍然对黑人球员心存怀疑,乌拉圭队却以拥有一位黑人队长、杰出的巴雷拉而感到自豪。此外,乌拉圭在世界杯成型期的胜利造就了延续至今的血统,它的很多球员如今都在海外的一些世界豪门俱乐部踢球,如利物浦的苏亚雷斯和巴黎圣日耳曼的卡瓦尼。