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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.

时间:2010-03-31 编辑:vicki
Stand: Wal-Mart U.S. President and CEO Bill Simon pledged to hire veterans

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

让别人都滚粗闭嘴,这样你就能特别牛掰地走入“记忆宫殿”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.

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

"Shanghai has taken a series of tough measures to curb population growth since 2014, including renovating urban villages and regulating group renting," Zhou Haiwang, an expert with the Shanghai Academy of Social Sciences, told the Global Times.

我很高兴看到制造业的工作机会又重回美国市场,但我不认为它会像很多人期望的那样,产生原电池效应拯救经济。为什么?因为制造业中的很多工作机会都被机械化的自动生产取代了。蓝领阶层和基础职位的消失已经成了一个问题,而这个问题还将继续扩大。
愿你度过最美好的新年!
Besides, Japan and the United States are still innovation hot spots and chemical, semiconductor and electronic components and autos are the top innovative industries, according to the report.
美国公司高管的薪酬不断上升,收入差距越拉越大。在这种情况下,看到一位不光关心自身收入的CEO不禁让人眼前一亮。9月份,联想首席执行官杨元庆宣布,他将连续第二年和大约1万名联想员工分享他的奖金,数额至少为300万美元。他做出这个慷慨决定的原因是这家个人电脑制造商的年度销售额创下了历史新高。据彭博新闻(Bloomberg News)报道,参与“分成”的联想员工获得的奖金大约相当于中国普通城镇就业者一个月的收入。
单词virtue 联想记忆:
[.?ndi'nai?bl]

n. 学会,学院,协会
The World Cup, on the other hand, was searched for as both a sporting event and a cultural experience.
大多数大宗商品的价格自2016年2月以来有所回升,单位价格的同比降幅已收窄至约5%。
然而,国家也很警惕网络金融的快速发展,该领域基本不受监管,发生系统性危机的风险可能会很高。据摩根士丹利(Morgan Stanley)和中国研究机构“网贷之家”的调查显示,自2007年以来,中国有370家P2P贷款平台倒闭,其中270家是在过去的一年中倒闭的。

On the subject of #MeToo, she said: 'I just think they're douche bags. They're not champions. I just think they're losers. I don't like them.
With China now not only “fully integrated”, but perhaps starting to retreat from this position as it brings more of its supply chain onshore, unless Africa can succeed in following China’s path, he adds: “I think we are going back now to a situation where we don’t think there is any particular reason for trade to grow faster than GDP.”
当新员工迈入QuikTrip位于塔尔萨的总部时,他们可没功夫去害羞:刚开始的几天,他们的办公桌上都摆着满满一大桶糖果。路过的同事常常停下来做自我介绍,顺手也抓块糖吃。
Transforming and upgrading the real economy through innovation

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

That's a fraction of their earning power -- Hillary and Bill Clinton banked $10.6 million mostly from speaking fees and royalties in 2015, while Trump said he made almost $560 million.
James Bond is one of the few constants that movie lovers have in this crazy world of ours. We seem to know that, no matter what, a new Bond movie is always on the way.

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.

Plante Moran
Best chances: Dafoe is probably the current front runner for best supporting actor.
[s?:'vei]
In 1995 Dutch troops serving as UN peacekeepers failed to prevent Bosnian Serb forces murdering 8,000 Muslim men and boys in the town of Srebrenica in eastern Bosnia.

Writing for a Comedy Series: Aziz Ansari and Alan Yang, “Master of None” (“Parents”)
Britney Spears continued her fall in the standings, after being knocked down from number 1 to number 5 in 2009, only to land at number 10 in 2010 as rising stars such as Lady Gaga and Justin Bieber become more prominent.
年龄:56岁

在第一部掌上移动设备发明之前,自拍杆已经问世。自拍杆其实是由一个日本男人上田宏在20世纪80年代发明的。上田宏是美能达相机公司的摄影师,他发明这个自拍杆,是因为他和妻子在欧洲旅行时无法自拍合照。(当时,他叫一个男孩帮他们拍照,那个男孩却拿着相机跑了。)
随着俄罗斯货币卢布一再对其他货币贬值,近年来去往俄罗斯旅游的旅客也在逐渐增多。

但是她的成功也来之不易。精美的舞台装和参赛的全程费用已经让她母亲花费了5000英镑的费用。
affected
不管你是想参加国际盛事、品尝美味佳肴、领略自然奇观、还是仅仅想在沙滩上放松身心,以下这些地方都值得一去。

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2010年美国平均失业率:10.2%。
评审委员会(就我一人)花了几周的时间来决定王室、政界以及明星当中谁应该获得一枚令人难堪的奖章,以表彰他们过去一年严重违反礼仪或行为失态的表现。
他还表示“包括现代汽车(Hyundai Motor)和爱茉莉太平洋(AmorePacific)在内,几乎每家韩国大企业都严重依赖对华销售。”

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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Brazilian soccer fan Joedir Sancho Belmonte missed the 1950 World Cup final to stay home with his sick mother. Sixty-four years later, Belmonte exchanged his original unused ticket for three new tickets to the 2014 final.

瑞士洛桑国际管理发展学院在针对所有在职管理人员的开放招生课程排行榜中拔得头筹,在针对企业客户的定制课程排行榜中攀升了两位,升至第二。西班牙Iese商学院在定制课程排行榜上继续保持榜首位置,在开放课程排行榜中仍位居第二。
不会。华尔街策略师预测美国政府的10年期借贷成本将在未来一年攀升至3%以上,这话就像尴尬的办公室聚会一样是圣诞节那段时间的固定节目。鉴于美联储退出量化宽松和美国减税,今年的预测看起来更有可能实现。然而,压低通胀和长期债券收益率的长期重大因素依然存在,并且仍然被低估。2018年美联储将至少加息三次,但10年期收益率不会突破3%。
Autonomous cars: Researchers are working on devices that will automatically park your car in a parking lot without you being in, or near, the car. It will also slip a note under the wipers of the car next to it with your phone number and insurance carrier in case of any scratches.
For the first time, China is home to the world’s three biggest public companies and five of the top 10. State-controlled Chinese bank ICBC holds onto its No.1 spot for a second consecutive year, while China Construction Bank takes second place and Agricultural Bank of China moves up five spots to third. They’re joined in the top 10 by the other member of the “Big Four” Chinese banks, Bank of China, at No.9.
Will the housing sector adjust easily to higher interest rates?

“Airbnb is here to stay,” Mr. Gottsegen said. “Instead of fighting it, we should wrap our arms around it and make it better.”
n. 块,大量,众多
n. 通道,频道,(消息)渠道,海峡,方法
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In eighth place with $6.5 million, Chinese model Liu Wen, 29, is the only Asian model on the list, reflecting the lack of diversity that continues to plague runways.
Epic Games在网站Kotaku上发表的一份声明中则指出,提起法律诉讼的原因是罗杰斯在一个YouTube视频的可移除标签上写下了涉及DMCA的反诉内容,这段视频展示并推广了《堡垒之夜》外挂软件。

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

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5.Emma Watson
Technology
2.告诉你的朋友在世界杯期间无论如何也不要忙着生孩子、结婚或办丧事,因为我们是不会去的。

6.Gal Gadot
《请以你的名字呼唤我》背景设定在意大利,讲述了的一个少年和一个学者之间的柔情之恋。

Last but by no means least is our favourite fact that Norway once knighted a penguin. His name is Nils Olav, and he is a king penguin who now resides on Edinburgh Zoo, Scotland. He is the mascot and Colonel-in-Chief of the Norwegian Royal Guard. He was knighted on 15th August, 2008, which was approved by King Harald V, who stated during the ceremony that Nils was "in every way qualified to receive the honour and dignity of knighthood".
Inside larger technology companies, female employees will be hoping for signs of change in pay and promotions — but will also be on guard, as a men’s rights backlash brews in some corners of Silicon Valley.
吉尔伯特表示,对可穿戴设备的不断试验十分重要,但是现在短期内,人们还需要探讨一下:“技术的演进以及企业的研发力量共同推动了现有可穿戴产品的发展,但它们是否真的能够满足用户的需求;各公司又是否需要探索不同的合作模式,让可穿戴设备不仅限于早期使用者的圈子,而是被主流人群所接受”。
“Selling out!” “Pandering to the Americans!” The cries went up immediately when the official selection was announced. The list of directors crossing over to make films in English was a long one including the Italians Matteo Garrone and Paolo Sorrentino, Yorgos Lanthimos of Greece, Norway's Joachim Trier and even Guillaume Nicloux of France, a country whose cultural establishment is highly sensitive to the creeping Anglophone menace. The argument goes that Cannes is supposed to be a haven for world cinema; for English, there is Hollywood. But does it really matter? Films at Cannes in languages other than French or English play with subtitles in both languages – and that's a lot of text to deal with.
麦迪逊马里奇(Madison Marriage)是会计和税收事务记者