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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.

Property prices in Hong Kong have surged over the past decade, but hit a peak in September when jitters about China’s economy took hold.
5、低效的邮件沟通

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

时间:2009-11-11 编辑:vicki

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

Mr. Anderson wanted an abundance and a variety of facial hair on the men, with no beard or mustache adorning each actor’s face in quite the same way. It’s a veritable hipster’s row of styles, from pencils to handlebars to a black-and-gray goatee worn by Jeff Goldblum.

ESCP欧洲商学院(ESCP Europe)和美国麻省理工学院斯隆管理学院(MIT Sloan School of Management)也表现不错。两所学院的排名均上升5位,分别位居第三和第五。
大部分的科技从业人员都认为移动应用会发展、而电脑应用会减弱。这意味着企业都需要强劲、快捷和实用的移动平台,不重视这点的企业必然会失去消费者。
现在,我们来预测一下社交媒体领域在2014年将发生哪些事情。Snapchat会火起来吗?哪些烦人的“推广消息”(Promoted Tweets)会不会持续不断地入侵你的Twitter信息流?你的老板是否将终于学会如何使用Twitter?这五大趋势有望撼动社交网络世界,以及我们在2014年使用社交媒体的方式:
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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。
Agents and investment institutions are now flooding the sector, causing additional changes to content and platforms in the world's second-largest economy, the report said. A number of Internet gurus, including Lei Jun, investor and founder of tech firm Xiaomi, Zhou Hongyi, CEO of Qihoo 360 Technology, and China's richest man Wang Jianlin have all directly supported live video-streaming websites, a strong indication of the growing interest from capital investment.

不论是她与最近崭露头角的说唱乐歌手卡布卡克合作的《Lipgloss》(《唇彩》),还是与凯伦·玛丽·奥斯特(M?)合作的《3AM(Pull Up)》(《凌晨3点(停下来)》),《1号天使》这张专辑的怪异节奏和摇滚舞曲感觉就像这位英国明星的流行音乐才华最纯粹的结晶。
在美国监管机构担心交易所交易基金(ETF)市场增速可能太快的同时,他们在亚洲的同行以及资产管理公司和分销商却忙着考虑还有什么办法可以提高投资者的兴趣。
勉强会。民主党将在11月中期选举中重新赢得对众议院的控制权。尽管他们要到2019年1月才能掌控众议院,但他们将马上开始为众议院司法委员会(House Judiciary)启动弹劾做文书方面的准备。特朗普将称此举为“政治迫害”。但在特朗普怪诞的总统任期又持续了一年之后,民主党将几乎不可避免地展开造势活动,誓要让特朗普承担责任。在此之前,无论罗伯特米勒(Robert Mueller)的调查发现了什么,都不可能让足够多的共和党人倒戈反对特朗普。
这个变化很大一部分原因是因为去年十月软件巨头Adobe公司发生了重大安全漏洞,致使数百万用户遭受影响。

9. Putting Yourself in Someone Else's Shoes Improves Memory
Given that travel costs to Russia may surge in 2018 when the FIFA World Cup will take place there, visiting this year would be a smarter choice.
中国上海——上海这座大都市是中国人口最多的城市,在那里,有着深厚历史底蕴的城市核心区与当代全球金融枢纽融为一体。
该杂志称,他的净资产为35亿美元,与前一年相比缩水了10亿美元。

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

哈维尔以自己的名字开了一个储蓄账户,并且用这些信息注册了AdWords账户。
China produced an estimated 420.5 tonnes of gold last year, according to the World Gold Council. Over the same period, Chinese demand for gold rose by 4 per cent to 953.3 tonnes, it said.

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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Celebrity Latin tattoos may be fuelling a revival of the ancient language in schools, it emerged today。  明星们的拉丁语纹身引发了一阵学习拉丁语的热潮。
n. 行为,举动,品行
The singer/songwriter Dua Lipa has been steadily releasing a string of singles since 2015, beginning with the flirty "Be the One" and finally hitting the jackpot with "Hotter Than Hell" – both collected here on her debut album.

《沃兹汽车》将于1月15日在底特律一个与北美国际汽车展(North American International Auto Show)联合举办的仪式上颁发十大最佳引擎奖。
日历一页一页地翻到了12月,一些球队是时候考虑垫底的不可避免性了。那么,哪些球队应该开始着手垫底,哪些球队还需要观望,而哪些球队应该放弃这种打算呢。Flanns 和Zillz将会就这一问题展开讨论。
Unemployment was the most searched for financial item, followed by "Wall Street companies" and "recalls".

Ladies and gentlemen, may I welcome you to the Bad Manners Awards 2016?
在假日期间飞行要采取特殊的策略。这也意味着人们要为重大天气延误做好准备,尤其是美国东北部和中西部的恶劣天气。

Enthusiastic supporters of the idea of a “universal basic income” for all citizens, meanwhile, will look to Finland where a trial is now well under way. In France, Emmanuel Macron will try to tread a delicate line in 2018 as he reforms the labour market, hoping to inject flexibility without increasing insecurity or incensing the unions.
74个重点城市细颗粒物(PM2.5)年均浓度下降9.1%;
“The employee submitted a message through the company web site.”

2=neutral
美国则在2016年下降为德国的第三大贸易伙伴。
8. Smile every time EXCEPT when my team is losing.
去年电影市场的一个亮点是,共有七部高质量的国产影片在票房前10名的榜单中。其中就包括真人与动画结合的《捉妖记》、以及基于经典古代故事的3D动画电影《大圣归来》。

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.

DiCaprio received a pat on the back from producer Harvey Weinstein and a standing ovation from the crowd as he collected the award for best actor in a drama for The Revenant.
周二早些时候,吕特呼吁在与土耳其的争执中保持冷静。
明年,寻找新楼盘的买家将会有更多的选择。根据科克伦阳光营销集团(Corcoran Sunshine Marketing Group)提供的数据,明年(2015年——译注)曼哈顿、布鲁克林和皇后区长岛市(Long Island City)新上市的共管公寓预计将增加一倍以上,从2014年的3444套增加到8366套。

3. 凯特?阿普顿
“我们内地的执法太不严了,一帮导演到了新加坡不敢抽烟,可是到了珠海,在有警告的情况下依然抽!所以我们的执法一定要严!”
You're the best present I ever received.你是我所收到的最好的礼物。
几年前,有人发明了一辆会飞的自行车,叫做"Paravelo"。称一辆自行车会飞,并不是开玩笑,而是这辆自行车真的会飞(车头有一个巨大的降落伞)。它在陆地和空中的时速分别为25千米(15英里)和40千米(25英里),可飞至1200米(4000英尺)高空。最棒的地方是什么呢?那就是你不需要有飞行驾照。Paravelo号称世界上第一辆会飞的自行车,但我们必须指出它并不是第一辆会飞的自行车。
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What’s more, in recognition of their working on the bizarre properties of matter in extreme states and taking their research all the way down to an atomic scale, the Nobel Prize for physics was awarded to three British-born scientists who currently work in the US.
《迈耶罗维茨的故事》由诺亚?鲍姆巴赫执导、网飞出品,影片不仅搞笑,而且是一部有潜力拿奖的作品。它让你在忍俊不禁的同时,会觉得这部电影真的太高明了。
基准原油价格上周跌破每桶40美元大关,至六年最低位,导致投资者对大宗商品相关企业和出口国家(包括巴西、俄罗斯和南非)情绪更加黯淡。
Mr Williams’ medium to long-term view is arguably more gloomy than that of Mr Baweja. He believes the 25-30 year period during which growth in global exports far exceeded that of global GDP, represented a “surge of globalisation that has come to an end”. In other words, the current slowdown in trade growth is structural, not cyclical.

这一消息来自英国时装协会,协会在时装周前对设计师进行了调查,发现在9月份的时装周登场的80名设计师中没有一位会使用皮草。
Walt Disney Pictures and Lucasfilm have promised a Star Wars film every winter after the release of Star Wars: The Force Awakens. These movies will be spin-offs to the main films.

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

3. The 2012 Ig Nobel Accoustics Prize
Between 1991 and 2010, the cancer mortality rate fell by a whopping 20%, which is more than 10% a decade. One day we will say goodbye to cancer for good.
除了跳舞,玛蒂还唱歌和表演,她已经出演了电视剧《美女上错身》(Drop Dead Diva)和《奥斯汀与艾丽》(Austin & Ally)。
Texas was one of the first states to emerge from the recession and it continues to attract companies on the basis of its low tax burden, predictable regulatory environment and skilled labor force. Texas employment is expected to expand 3% annually through 2017, according to Moody’s. (Arizona’s forecasted rate is a microscopic 0.04% better). Texas has attracted a lot of attention from California companies and Governor Rick Perry has not been shy about contrasting the business climates of the two states. California firms EBay and Electronic Arts have both chosen Texas for large expansions in recent years. Austin has been a hotbed of activity this year with Accenture

人类想知道“这是为什么?”
纽约前市长迈克尔·R·布隆伯格(Michael R. Bloomberg)正在为抗击气候变化花费自己私人财产的数千万美元,他在一份声明中说,“全球气温稳步上升、如今破纪录地上升的问题,不是一个未来的问题。这是一个迫在眉睫的明显危险,对经济、健康、环境和地缘政治有重大的危害。”

The CSI 300, which consists of 300 of the top A-shares traded on the Shanghai and Shenzhen exchanges, is down 7 per cent and will be shut for the remainder of the day.
Average age: 36 for English blended program
To be brief, people with type C personalities are perfectionists, consistent and will never break the rules. Unlike their "sister" type A; type C personalities tend to take their time with the details and often check and recheck their work for accuracy. They tend to be deep thinkers and like to know every detail in regards to their work and life.
《一位德国女权主义先锋在痛苦中回顾过去》(A Pioneering German Feminist Looks Back in Anguish)
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