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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.

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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

Retail sales of consumer goods, a key indicator of consumption, rose 10.7 percent year on year in China last year, contributing 66.4 percent to the country's GDP, the Ministry of Commerce said earlier this month.

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

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接受一份谋生型的工作有两个弊端。这样做会让你在求职中分心,而且潜在雇主对你以前的专业形象会有所怀疑。
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据报道,霍莉·亨特(Holly Hunter)因出演《钢琴课》(The Piano)获最佳女主角奖,她的小金人放在科恩兄弟纽约的办公室中,它旁边还有因出演《冰血暴》(Fargo)而获得的奖杯。
But the statistics bureau attributed the overall rise in CPI chiefly to a base effect resulting from low prices a year prior.
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“These are turbulent economic times, and yet we see Chinese companies acting with confidence and continue to make major moves in Europe and North America,” he said.
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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

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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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Since 1983 the annual Spring Festival Gala hosted by China Central Television has always been an important part of the Chinese Lunar New Year celebration - no wonder every move organizers make becomes the center of attention.

Mr Cahan said that the vision and technology behind Summly’s machine-learning and natural language processing abilities were “equally impressive”.
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“还有大批人没有统计进来,”胡润对英国《金融时报》表示,“两周前我在北京拜访了这家投资公司。一下午的时间,我就发掘出了30个登上今年富豪榜的人。他们去年还不在我们的视线内。”
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BrandZ表示,中国科技集团华为(Huawei)已从苹果(Apple)和三星(Samsung)手中夺取市场份额。
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A combination of tax increases and spending cuts in 2013 shaved about 1.5 percentage points off annual economic growth, according to the Congressional Budget Office. Many forecasters expect the fiscal drag in 2014 to be one-third that amount, or less. 'You'll have more political certainty this year,' said Gregory Daco, a U.S. economist at Oxford Economics.
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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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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.
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However, another 876 jobs being offered have not registered a single applicant as of Tuesday, according to Zhonggong. For instance, nobody has so far shown any interest in becoming a railway police officer in Shanghai and Xi'an.
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经济学家原本还预计,今年1至10月份全国固定资产投资(不含农户)增长速度会与1至9月份的增长速度8.2%持平。

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

5.Branding: 16.4 percent increase
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Chinese state media reported that box office revenue growth was 13.5 percent in 2017, with this year marking only a modest decline.

"The average salary level of employees grew by about 6.3 percent year on year in the first three quarters of last year, while China's annual GDP growth stood at 6.7 percent in 2016, both slowing from a year earlier," Jin added.
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It also has a lot of inexpensive museums, cheap vintage trams and beautiful pebbly beaches. Day trips to vineyards are easy to arrange.
Hangzhou in Zhejiang Province and Shenzhen in Guangdong Province made the biggest progress in improving traffic with measures including vehicle restrictions and better road links, said the report.
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