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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.

星期三,2014年春晚主持名单公布,包括了朱军、董卿、毕福剑、李思思和张国立。作为电影演员和导演的张国立会首次主持央视每年举办的春晚。
即便缩减购债规模的行动进展顺利,今年大部分时间美联储也会在是否最早于2015年开始加息的问题上举棋不定。

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

随着北京方面采取的资本管制对海外收购交易起到抑制作用,1月份中国企业对海外房地产业的投资额比上年同期下降了84%。

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

She added that because of economic conditions and anti-immigration sentiment in some Western countries, many Chinese students find it difficult to stay in those countries.

15. 有趣的巧合。环球影业是题材最具多样性的制片公司之一,它发行了《生活残骸》,也发行了《冲出康普顿》,还有《泰迪熊2》(Ted 2)。环球影业的女导演也是最多的,12月初,它占据了今年24%的市场份额。
但是这些烂队中没有一支队伍有摆烂的打算。他们这样打算合适吗?为球队着想,他们应该摆烂吗?
3. Piggyback Rider
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Create a mood board for inspiration, including quotes and pictures that will invigorate your creative juices. You might even want to change it up once and a while if you have a major project due or need fresh ideas. Art or wall décor can also add a creative touch to your workspace. We recommend the 3 in 1 Board, $19.95, at CB2.com (pictured above).
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"The scenes in the TV adaptation are beautiful, and also consistent with the original work," a Douban user Banchengyansha said.
Internet tycoons had heated discussions on the promise of artificial intelligence (AI) following the historic victory earlier this month for Google Inc's AI-powered AlphaGo over South Korean Go master Lee Se-dol.
长久以来,科学家一直在研究干细胞分化为心脏组织的潜力,今年当他们创造出可以自己搏动的心脏组织时,这一研究工作达到了一个重要的里程碑。

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Guo Jingjing's alleged romance with Kenneth Fok, the grandson of late Hong Kong tycoon Henry Fok, has captured the imagination of a country that seems to have become as interested in the private lives of its athletes as in their athletic performances.
The Bellarine Peninsula, located Southwest of Melbourne, Victoria, has been a hotspot for timeless beaches and historic towns like Queenscliff and Portarlington.
Set between the events of Star Wars Episode III and IV, Rogue One will most likely be about bounty hunters who set out to steal the Death Star plans. We're not exactly sure of the plot.

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

The remains of the monarch -- depicted by William Shakespeare as a monstrous hunchback and often viewed as one of English history's greatest villains -- will now be solemnly reburied in the local cathedral.
v. 决定,决心,确定,测定

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.

杜阿·里帕《杜阿·里帕》
斯德哥尔摩经济学院(Stockholm School of Economics)是今年排行榜上的大赢家,该学校的排名攀升16个位次,排在第28位,不仅排名晋升速度为年度最快,而且扭转了去年排名下滑11位的局面。
After months have passed without a culprit in her daughter's murder case, Mildred Hayesmakes a bold move, painting three signs leading into her town with a controversial message directed at William Willoughby, the town's revered chief of police. When his second-in-command Officer Dixon, an immature mother's boy with a penchant for violence, gets involved, the battle between Mildred and Ebbing's law enforcement is only exacerbated.
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在这个被大型地产开发商主宰的市场,结构性挑战通常成为抑制欧美大型资产管理公司的因素。
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18. 最有趣的道歉(并列)。11月18日,《好莱坞报道者》发表了一份1200多字的道歉,因为它的“奥斯卡女星圆桌会议”没有邀请非白人演员出席。很快,导演亚历克斯·普罗亚斯(Alex Proyas)和狮门公司就为新片《埃及众神战》(Gods of Egypt)中的演员缺乏多样性而道歉。

And this year, the Nobel Prize has defied the convention of celebrating big by presenting the biggest prizes to discoveries on the smallest scales.
新年已至,让我们在此总结一下石油市场形势。实际情况表明,2014年对石油市场来说非常重要——油价在短短六个月内下降了一半。

再见,卡西尼号
Prof Cusumano sees all this as evidence that the company is opening up more, including in allowing developers to customise more of its iOS software.
罗杰斯夫人还表示,正如条款中所述,她并没有同意她的儿子玩这个游戏。此外,由于这个游戏是免费的,所以该工作室不能够断言因为作弊软件而造成了利润损失。

在弗丽达·詹尼尼(Frida Giannini)为古驰(Gucci)设计的很多时装秀上都可以看到这种理念,包括2014年秋冬的台布渐变色和A字皮裙;2013年春夏的粉色长款衬衫和褶饰女主人连衣裙;2009年春夏的披头士风格鲜艳裤套装和宽松束腰长裙。
Moreover, as some of the firm’s business involves advising the government on education, such recruits’ expertise is invaluable.
这句简练、言之有物、几乎可称之为妙语的话提醒我们,即便接下来的奖项都相当雷人,还是有人能够做到直白的。
《出租车司机》被誉为历史上最伟大的电影之一,讲述了一名沮丧的前海军陆战队员,在被爱慕的女子拒绝后,试图暗杀参议员的故事。名义上的出租车司机崔维斯·拜寇,生活混乱,充斥着毒贩和妓女,但他的故事从来不是不现实的幻想。相反,它揭示了一个人差点成为成为枪手的真实预警。

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.

Until now Thor has been the neglected child of the Marvel Cinematic Universe. Though some liked Kenneth Branagh’s first film featuring the god of thunder, Chris Hemsworth was arguably overshadowed by Tom Hiddleston’s preening popinjay of a villain, Loki. And the second film, the humourless Thor: The Dark World, is widely regarded as the worst film released by Marvel Studios to date. So to inject new life into this sagging franchise, Marvel brought in New Zealand comedy auteur Taiki Waititi to add some Kiwi quirk. This time Thor faces down the goddess of death, played by Cate Blanchett. Thor may have the hammer, but she has the attitude. Released November 1 in Serbia and Hungary, November 2 in Cambodia and Israel and November 3 in India and Canada. (Credit: Marvel Studios)
14) When socializing, I don't find the right things to talk about 0 1 2 3 4
Written instructions apparently issued by China’s tourism administration, shown to the FT by one Beijing travel agent, order agencies to cancel group tours to South Korea booked for after March 15 and add that companies not in compliance could be fined or have their licences revoked. The tourism administration was not immediately available for comment.

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My Sunshine
February 1985 was the last time global surface temperatures fell below the 20th-century average for a given month, meaning that no one younger than 30 has ever lived through a below-average month. The last full year that was colder than the 20th-century average was 1976.
The number of such applications in Beijing last year increased 426% from that of 2015.

总体来说,直播授课和录制内容均获得8.8分的高分(满分10分),在线互动和团队合作的评分略低。
来自中国首都北京的北京大学和清华大学,分列2017年亚洲大学排行榜的第二、三名。而新加坡国立大学则位居榜首。

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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adj. 优雅的,精美的,俊美的
3. Smart laundry peg
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2014年最佳引擎榜单的其他入选者还包括宝马5系豪华轿车和紧凑型雪佛兰科鲁兹(Cruze)所使用的涡轮增压柴油发动机,保时捷Cayman双座运动跑车的水平对置2.7升6缸发动机以及大众汽车捷达紧凑车的1.8升4缸涡轮增压发动机。
穆里埃塔属于一个叫“五皇后”的黑帮,他们是加州淘金热的高潮期间,臭名昭著的土匪。虽然穆里埃塔的犯罪行为可能没有任何政治色彩,他还是随着来到加州投机的美国定居者,成了墨西哥抵抗的象征。对他而言,这可不是什么好事,而是促使政府悬赏他的人头,导致他被杀和斩首。幸运的是,班德拉斯的角色没有遭到同样的命运。
We will continue to encourage people to start businesses and make innovations.
The ability of customers to air their dirty laundry to the world via Twitter and Facebook has already changed the customer service game. A 2012 Nielsen survey shows more than half of all customers now turn to social media for redress; meanwhile, some 81% of Twitter users expect a same-day response to questions and complaints. But this fall, things got even more interesting: On Sept. 2, British Airways passenger Hasan Syed spent an estimated $1,000 to purchase several promoted Tweets blasting the company for losing luggage. With paid social media now in customers' arsenal, 2014 may mark the beginning of the end of abysmal customer service at major airlines, credit card companies, banks, and other repeat offenders, characterized by endless phone wait times and those automated "phone trees" (i.e., "Press 1 for English, 2 for Spanish, 3 to waste your entire afternoon on hold ...").
The fundamentals of the Chinese economy remain sound, the capital adequacy ratio and provision coverage of commercial bans remain high, and we have many financial tools and instruments that can be used. We have the confidence, the ability, and the means to forestall systemic risks.