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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.

再见,卡西尼号
乔斯的母亲因玛·克萨达在接受《西班牙日报》采访时表示,她的儿子想要给自己的乐队“Los Salerosos”(大意为“冒失鬼”)购买乐器。他在乐队里担任小号手。

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

这些模子能让普通水果长出有趣的形状。

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

今年1月份CPI同比上涨1.8%,去年12月同比上涨为1.6%。不过该指数仍落后于北京方面“3%左右”的目标。

年度最佳合唱:埃里克·丘奇、杰森·阿尔丁、卢克布·莱恩《The Only Way I Know》
随着中国实力的抬升,其最好的友敌美国占了前10名的另一半。第5名和第9名分别是伯克希尔哈撒韦保险公司以及富国银行,这两家公司相较去年的排名均上升4位。
“That’s the difference between tweeting from your couch and governing the country. If you govern the country, you have to take sensible decisions, and that isn’t sensible,” Mr Rutte replied.
我冒死地想一想,湖人队在几周后会不会也加入这一阵列呢?照目前这情况,他们必须打出史诗级别烂地比赛才能留住他们的选秀权(给费城的前三保护签位),问题取决于他们是会围绕现有阵容继续缓慢地重建呢还是为了得到下一个巨星扔掉一两个年轻球员呢。
动词last的现在分
中国品牌上榜主要是挤掉了欧洲企业,这表明,经济实力正向东方转移。只有一家印度品牌登上百强榜:HDFC Bank。过去几年,俄罗斯、墨西哥和巴西品牌纷纷落榜,这残酷反映出这些新兴市场的命运正发生变化。

他表示:“价格走低对利润下滑影响加剧”。
v. 抢劫,掠夺
还有些电视剧不如人们最初预料的好,不过仍有吸引力,最显眼的是映时频道的《婚外恋》,它一开始看起来像汉普顿斯式黑色电影,后来变成了法国艺术电影。剧中的罪行与过于缓慢的节奏以及《罗生门》(Rashomon)式的讲述方式不太相称,不过该剧在最后几集势头大涨,悬念丛生。
When did winter become the season of television’s most distinguished content? The fall season, with its organized and heavily publicized broadcast-network premieres, still gets the attention, but a greater number of interesting shows now arrive on cable, broadcast and online in the first quarter of the year.

2015年,欧盟仅提起了12起反倾销案,较前一年减少了2起。
《楚乔传》
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Burgeoning crude supply is liable to drive prices lower in 2014 after a run of years when emerging markets supported demand, as shifting dynamics continue to change the oil landscape.

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

Plum Alley:
3. Grow your hair slightly longish, if it isn't naturally wavy (poor you), wear curlers to bed every night.

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.

At least one model of the next iPhone is expected to feature image-capture technology that can sense depth, and track faces and expressions. A range of new emojis include monkeys and robots, whose animated expressions can mirror the iPhone user’s face as Apple battles for users’ attention with the likes of Facebook and Snapchat.
So ladies, we have been warned. What would your response be?
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1. Apple

Throughout Downsizing, I kept asking myself what the point of all of this was, never engaged by its hodgepodge of themes. I wish the filmmakers had asked that question too.
"Sydney's housing prices shot up because foreign investors are buying trophy assets, in places like Bondi," says Elliot.
impresario

'In the meantime, the U.S. continues to grow its own domestic production both in oil and gas. I think, for us, it's less about where the actual price is going--it's more about how much more growth is left in North American oil sands, shale gas, shale oil,' as well as shale exploration elsewhere, he said.
The Asia-Pacific region was the main driver of international growth at movie houses, up 13%, and China accounted for nearly half of the entire Asia-Pacific total.

李说,记者职业排名靠后已经有一段时间了(去年在200个职业中排名第196位)。他说,这次被挤到最后一位很可能是因为有些情况更糟了,如职业前景变差、平均薪资继续下滑、工作时间持续增加等,而且这些因素也让记者的压力更大。
Belgium, for example, has less than a tenth of the population of Russia, its rival in the group stage, but is regarded as a far greater threat. And then there is Uruguay, which despite fewer than 4 million citizens -- barely a sixth of the population of greater S?o Paulo -- is one of the teams Brazil would least like to meet on its way to the final. How is this so?
5Japan

我的预感是到了3月份,今年的应考新秀们就会看起来很棒,并且会远比去年要好,去年是近几年来最不被看好的一年。新奥尔良和华盛顿都需要一个明确的方向,并且他们不久就会做出各自的选择。
上周四公布的一项数据显示,两所中国顶尖大学跻身今年《泰晤士报高等教育专刊世界大学声誉排行榜》的前20名。
在动画电影行业执迷于翻拍让观众有共鸣的老故事时,皮克斯却总能尝试新事物,把观众带到从未踏足的新领域。《寻梦环游记》由《玩具总动员3》导演李?昂克里奇执导,该片的视觉效果基于墨西哥的亡灵节。故事讲述了一个名叫米格尔的小男孩崇拜传奇吉他手欧内斯托?德?拉?克鲁兹,想学习如何能弹奏得和他一样好。于是他就像奥德赛一样踏上了改造性的自我发现之旅,进入死亡之地寻找那位已去世多年的偶像,还受到了一些关于创造力本质的教导。《寻梦环游记》是否能达到皮克斯2015年杰作《头脑特工队》的高度尚未可知,但这部电影绝对是一场视觉盛宴。该片将于11月15日在法国上映,11月22日在美国、克罗地亚和菲律宾上映,11月30日在以色列上映。(资料来源:迪士尼/皮克斯)
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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.

但是,我们也许终于走到了终点。也许只有在该剧落幕之后,它对成衣秀的影响力才会终结。也许我们对历史无休止的模仿(是的,我们曾模仿70年代的风格以及80年代的大波浪头和高垫肩)才会最终停止。
I said it last year - and I'll say it again. There is only one activity more thankless than predicting the future - and that is publicly sharing your predictions.
不会。事情可能会这样发展:在一次试运营(其间出现多次交易停止)后,比特币期货将慢慢开始吸引机构资金。美国商品期货交易委员会(CFTC)的持仓数据将反映出资金管理公司对该产品存在的长期偏见。随着减仓的巨额成本变得不言自明,多头将越来越大声地抱怨围绕结算时间的例行分歧。就在参议院计划举行听证会调查潜在的市场操纵行为时,比特币期货价格将跌破现货价格,引发抛售。

Attractions: Europe’s underrated gem.
今年由美国电影学会的电影评审总监是Tom Pollock,担任电视剧评审总监的是Richard Frank。评审团的其他成员还包括Judd Apatow, Halle Berry, Jamie Lee Curtis, Leonard Maltin,来自知名大学的著作家,学者,公认的电影艺术家,还有像媒体NPR,Rolling Stone, TV Guide, 华盛顿邮报对于电视电影的评论家们。
你永远都不能把一只狼变成宠物狗。
《火线警探》,FX,1月20日。副警长瑞兰·吉文斯(Raylan Givens,蒂莫西·奥利芬特[Timothy Olyphant]饰)与他的朋友兼天敌博伊德·克劳达(Boyd Crowder,沃尔顿·戈金斯[Walton Goggins]饰)之间爱恨交织的关系贯穿了整部剧,不管怎样,这个问题将在第六季,也就是最终季中得到最终解决。
If you do much hiring of freelancers, you’ve probably considered outsourcing the outsourcing. There are several great services that can help, each with varying business models. For example, Bolton Remotewill build your team with vetted, offshore contractors. Another provider,Hubstaff, starts with your project in mind and then matches you with project specialists. Using an outsourcing placement service will save time instead of trying to do the recruiting yourself. These firms typically offer free recruiting and placement services but take a cut of the hourly rate.

Du Pont called himself “the Golden Eagle” and had a distinctive, eagle-like profile. The designers aimed to capture that profile while not creating a carbon copy of the real du Pont.
说到底,我预期这些新的领导人将开始从更广泛的候选人中选拔人员,并把不同背景的人任命为自己的直接下属,从而驳斥那些根据当前的失衡来外推还需数十年才能实现领导层男女平衡的悲观者。
单词scroll 联想记忆:
6、Social media addiction

In fact, one ancient saying was, "ifyou have Kucha, only one percent of the states in the Western Frontiers remain unsubmissive."
清华大学公共管理学院主任杨燕绥表示,这4万亿元养老金结余很多都在个人账户里面,现收现付的养老保险制度遇到了抚养比的挑战。

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

无论是左翼还是右翼,他们都标榜自己是反精英的大众代表和不合适的局外人,并作为魅力领导人与追随者密切联系,他们往往通过弥天大谎来操纵这种联系,用以谋求自己的进步;他们威胁既有的行为准则和约束性制度,把这些准则和制度描述为他们所代表的民意的敌人。
差不多人人都知道谷歌的分析工具Google Analytics,但是你是否用过谷歌的网站管理员工具(Google Webmaster Tools)?作为一名营销人员,我认为谷歌的网站管理工具是我用过的最重要的免费工具之一。你肯定想让自己公司的名字出现在谷歌搜索结果之中,对吧?那么为什么不听听谷歌网站管理员工具教给你的诀窍呢?
年龄:46
The awards returned Ms. Lawrence, a winner last year for Russell's 'Silver Linings Playbook,' to the stage for an acceptance speech-something she said was no easier a year later.

In my country, we make so much waste, we buy and throw away, buy and throw away, and yet northern countries will not share with the needy. Even when we have more than enough, we are afraid to lose some of our wealth, afraid to share. 在我的祖国,我们制造了如此之多的垃圾,我们购买商品,我们随之丢弃,买来,再丢弃。然而有些国家,有些人,却不会分享给那些真正需要的人们,甚至他们拥有的远远超过自身需要的时候。他们害怕分享,害怕失去自己的财富。
在原油市场连续数年获得新兴市场需求的支撑之后,快速增加的原油供应很可能会在2014年拉低油价,油市形势将继续随着这种供需动态变化而发生改变。

哥伦比亚美女夏奇拉集歌手、作词人、舞蹈演员、唱片制作人、舞蹈编剧以及模特于一身,她在2015全球美女榜中位列第十位。她还曾登上福布斯全球权势女性榜,以及“舞动奇迹”最受欢迎舞者榜。2014年7月,她成为脸书粉丝过亿第一人。
回购股票会帮助推高股价,很多分析师将标准普尔500(Standard & Poor's 500 index)创下多次历史新高归功于股票回购的盛行。
该排名的编辑菲尔·巴蒂称:“在近几年取得重大进展之后,中国在全球排名榜上的持续增长似乎已经停滞。这些新数据显示,新兴力量要打入传统的全球名校阶层是多么困难。”
The Brexit trade uncertainty
Alfonso Cuaron won best director for the space odyssey 'Gravity,' a world-wide hit and critical favorite. The film will likely join 'American Hustle' and '12 Years a Slave' as an Oscar front-runner on Thursday, when Academy Awards nominations are announced. (The academy honors technical categories that the Globes don't.)