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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.

Premiered on Jan 29, the drama received 7 points out of 10 on the country's popular review website Douban.
到达洛杉矶后在一段虐恋中遭受了厌食症。

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

New employees at the company's Tulsa headquarters have little time to be shy: on their first days, they're seated at desks with a tub of candy. Colleagues often stop by and introduce themselves while grabbing a snack.

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

Lighting is key when it comes to getting work done. Instead of investing in your typical, boring college dorm room desk lamp, pick something with a prettier design. Check out vintage stores for one-of-a-kind table lamps or keep it cheap with the Tiffany Table Lamp, $99.99, at Target.com.

For: The Los Angeles Critics Association gave it their top prize.
n. 日历,月历,日程表
尽管每轮市场反弹最终都呈V形,每次连续的涨势中,个股的参与越来越少。今年春夏两季的绝大部分时间里,时事分析评论员们都专注于赢家与输家、大盘股和小盘股之间的明显差异。欧洲的通缩担忧以及日本的技术性衰退,使得分析师们愈加困惑,尽管美国经济正在好转,美国国库券收益率和通胀指标却双双下行。
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virus
The end of November is here. As I wrote Monday, recent history suggests nine teams have pretty much already been knocked out of playoff contention. Yet, none of them are straight-up tanking.

Payouts also varied substantially between industries and cities. The average bonus at financial institutions was over Rmb17,200, while those in the education sector got less than half of that on average at less than Rmb7,500.
据《21世纪经济报道》称,广东去年的GDP增速为7.5%。
After laying low for months, Taylor made a spectacularly bold return with this new album.
“D型人格”最先由荷兰蒂尔堡大学的心理学家Johan Denollet提出。他还设计了一个测试,帮助人们认识自己是否具有D型人格特征。

通常在垃圾桶里东西是没有价值的,不需要任何检查,但Qube试图用“世界上第一个智能垃圾桶”来改变这一现状。Qube声称可以帮助你监控你的垃圾,帮助你利用创新技术回收垃圾。
SETTING: This house is on Modena Island, about 20 miles from downtown Savannah. According to the listing agent, the community is gated and has about 20 houses sited amid live oaks and saltwater marshes. Modena Island is a part of Skidaway Island, which has an oceanography research facility operated by the University of Georgia and a large state park.
2、天津爆炸
《大唐荣耀》全剧共60集,改编自2007年出版的小说《大唐后妃传之珍珠传奇》。该剧主要讲述了女主沈珍珠和丈夫的爱情故事,以及他们为保护国家付出的努力。

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

奥巴马在该推文中引用曼德拉的话称:“没有人生来就因为他人的肤色、背景或宗教信仰而憎恨他们……”
结果那些要求进行设身处地和角色扮演的人在随后的提问环节表现最好。准确地说,这些运用设身处地法进行记忆的人记单词的效率是使用其他记忆方式的人的三倍。虽然主持这项实验的科学家们研究的是设身处地法对患有记忆力损伤的人恢复记忆的影响,但无论人们有没有记忆损伤,皆可能受益于此。如果你想记住朋友在哪买了一双鞋子,不妨就试着想象走进店里买鞋的是自己。

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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Science and engineering fields dominate the list of highest-paying college majors, with software engineering, bioscience, and electronic information engineering among the most lucrative majors.
Leaders of large companies such as Michelin, Microsoft, Ericsson and others are already pushing more decision-making power out to their front-line workers. Others will follow as the success of this approach catches on.
但是,斯蒂文森称“这或许反映出美国在保护本国钢铁制造商方面比欧盟更大胆”。

4. China will continueefforts to build out C-9 (the top nine universities in China) in the form ofmore than $1 billion new investments in major campuses. Funds will becommitted to attract top faculty, build state-of-the-art facilities, andrecruit the very best students. China will lock into a global war forintelligence, education, and skill.
New residential property prices in China grew faster in October despite a slew of restrictions on purchases,
特约专栏作家安东尼·盖尔恩是Paragon欧洲合作伙伴的常务董事。目前位于伦敦。

这里有一些散步和骑行的小径可通往其他的湖滨社区以及市中心,骑车去市中心15分钟可达,开车10分钟。附近有步行者艺术中心(Walker Art Center)和几座博物馆。冬天湖上很多人玩冰球和滑冰运动;夏天则流行划独木舟、游泳和钓鱼。
The ranking is based on data collected from two surveys: one of the participating business schools and the other of alumni who graduated three years ago — the class of 2013.

For as long as the show has been running — ever since its debut in 2007 — we have been, it seems, suffering from what Hadley Freeman in The Guardian newspaper dubbed “madmenalaria.”
几乎所有的创业者(93%)都将获得新技能列为自己决定读EMBA的重要或非常重要的因素。“我知道自身技能的价值,而不必‘担心’没有工作,”其中一位创业者说。
Media reports from both countries, which have been involved in rising tensions over territories in the South China Sea, lay the blame on the their respective governments for illegal foods entering their markets.

“Who’s going to pay for that?” said Marc J. Luxemburg, the president of the Council of New York Cooperatives and Condominiums. “This has a real-world cost for many buildings.”
Awards: Despite early wins for VW’s Golf GTI, the Detroit-centric jurors of the North American Car and Truck award 2015 prizes to Ford’s Mustang as well as Ford’s F-150 pickup truck.
近日,新一期福布斯世界富豪排行榜揭晓,比尔·盖茨在近22年内第17次问鼎榜首。
We will accelerate the development of emerging industries.

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.

据新华社报道,全国青少年校园足球办公室近日表示,2016年中国已经拥有13381所“足球专业学校”,而69个区县正在学校里试点足球项目。
户外空间:该房产占地面积接近1.5英亩(约6070平方米)。
The regulator said that “faced with a complex and volatile market environment,” funds had realised gains of only Rmb294.5bn in the first half, a drop of 42.3 per cent.

As E.E. Cummings rightly said, "To be nobody but yourself in a world which is doing its best, night and day, to make you everybody else means to fight the hardest battle which any human being can fight; and never stop fighting."
People who are skeptical about this argument just need look at smartphones and personal computers, which have served as the technological driving force of the past century.
Duh.
当你在工作的时候,你的效率应该是很高的。不然的话,那就是在浪费你自己的时间和公司的财富。如果你很厌倦,一天当中大多数时间是在浏览网页,你可能是想要寻找其他的能够激励你的工作机会了。
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赢家:鹈鹕
This year, China will further enhance international cooperation in fighting corruption, said a statement adopted at the second plenary session of the 19th CPC Central Commission for Discipline Inspection.
After Zhou contaminated the water, one of Zhou's classmates surnamed Tang noticed that the water coming out of the dispenser was milky and had a pungent scent.
n. 理解力,智力

The 500 brands come from 28 different countries, among which nearly half, 227, are from the US.
New construction will provide luxury options for renters with deep pockets, mostly in the boroughs outside Manhattan. In Brooklyn, 6,527 new rental units are expected to hit the rental market next year, nearly twice the 3,802 units anticipated for Manhattan, according to Citi Habitats.

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

Lady Bird
The report also found that the top cities in intellectual capital and innovation and technological readiness also achieved high scores in the overall ranking, a clear indication that technologically advanced cities were more likely to earn the title of "cities of opportunity".
2016年,中国电影票房经历了一次令人震惊的调整,从2015年的48%大幅下降到3.7%。
这份刊登在圣保罗报上的调查结果显示,在周六巴西和智利的比赛中,67%的现场观众称自己是白人,而90%的观众来自巴西两大顶尖经济阶层,约占全国人口的15%。

赢家:湖人
随着二孩生育政策的出台,为了缓解女性的担忧,国家应明确规定禁止歧视女性,包括要求公司有一定比例的女员工以及减税或其他优惠措施,以鼓励雇主有效实施女职工产假延长的规定。

别提什么至少提前两周通知公司,精心安排一次离职面谈,在卷铺盖走人前费尽心机跟人搞好关系了。有些人在离职时太过匆忙,根本顾不上这些套路。
Fifteen Chinese nationals have been charged with developing a fraud scheme in which they paid imposters to take entrance exams, including the SAT, and gained acceptance to elite American colleges and universities, the US Department of Justice said on Thursday. Conspirators were paid up to $6,000 each time they used counterfeit Chinese passports to trick test administrators into thinking they were the person who would benefit from the test score, a federal grand jury charged.重点单词
对欧洲的新投资比2014年的180亿美元高出28%,相比之下,2014年投资额较2013年翻了一倍。对美国的投资比2014年的128亿美元高出17%。
无论从哪个角度看,2014年都是本田汽车公司宁愿忘却或掩盖的一年,看看本田为2015年提出的宏大口号——“本田之年”就知道了。
在新兴市场出口量方面,巴韦贾不排除增长约4%至5%的可能性。但是,尽管与近年来相比这将是一种温和改善,但这一增长速度仍“处于长期分布中的最差25%区间,甚至可能是最差20%区间”,因为过去25年的年增长率中值约为7%。