What Is a Finance Charge, and How Do I Avoid Paying One?
If you're savvy, you can avoid credit card finance charges entirely.
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.
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
当城市规划部门明年初（2015年——译注）提出初步的建议方案时，布鲁克林的东纽约(East New York)地区将被列为试点。随后，重新区划进程就将在该处全市最穷社区之一内展开。而紧随其后的，将是针对皇后区的西法拉盛(Flushing)的提案。
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.
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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
Yet when October was taken as a whole, only Shenzhen showed a real month-on-month price fall.
5. You're taking four-hour lunches and have way too many dentist appointments。
《蓝色茉莉》(Blue Jasmine)：按年代顺序排列，本片属于导演伍迪?艾伦(Woody Allen)自我更新晚期的作品。不过，从艺术角度看，该片算得上是伍迪?艾伦作品中最优秀的喜剧之一。该片的卖点是凯特?布兰切特(Cate Blanchett)的出彩演绎，曾在《欲望号街车》中出演布兰奇?杜布瓦(Blanche DuBois)的凯特?布兰切特这一次出演女主角茉莉，离婚后精神状态有些癫狂。亚历克?鲍德温(Alec Baldwin)在剧中扮演茉莉的丈夫，是一个类似于马多夫(Bernie Madoff)的行骗者。其他人物方面，在经历了欺骗和失望后，莎莉?霍金斯(Sally Hawkins)、安德鲁?戴斯?克莱(Andrew Dice Clay)鲍比?坎纳瓦尔(Bobby Cannavale)以及路易?C.K(Louis C.K.)等人扮演的角色最终都找到了自己的方向。
Pop superstar Gaga also took home the award for best actress in a limited television series or movie for her role as the villainous Countess in American Horror Story: Hotel. The Born This Way singer made an emotional speech as she was awarded a Golden Globe for her role in the HBO hit.
Fuel for this latest burst of Tesla mania came from none other than Chairman and CEO Elon Musk in comments he made during an analyst call on July 31. The big news wasn’t that Tesla reported higher production for the second quarter and beat earnings estimates again.
PBS' 'Vietnam War' series receives a special award.
（G.I. Joe: Retaliation）以及两部小规模电影，加起来在全球的票房收入总计13亿美元。
Usher “Good Kisser” (RCA)
At the same time, entries for gout jumped by just over a third – a disease associated with "ease and comfort" in Victorian London, now more likely to be linked with deprivation and lack of work.
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
Han emphasized that the risk of infection still remains because college students, who are sexually active, might have unprotected sex because they are susceptible to external influences.
Bangkok's 2014-15 fall from the top was largely put down to political instability in recent years.
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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Lenovo CEO Yang Yuanqing
China’s trade with the rest of the world fell sharply in October from a year earlier, with imports of raw materials particularly hard hit as slowing Chinese investment feeds through into weaker demand in the world’s biggest trader of goods.
Unless Charles Oakley successfully sues owner James Dolan, the highlight of the Knicks' 2016–17 season will be Kristaps Porzingis winning the Skills Challenge at All-Star Weekend.
The FT European Business School Ranking 2016 measures the quality and breadth of schools’ postgraduate programmes. It is based on their performance in the five main rankings published by the Financial Times each year: MBA, Executive MBA (EMBA), Masters in Management (MiM) and the two rankings for executive education. Only schools that take part in all five are eligible for a full score.
Yu Xiuhua, born with cerebral palsy, lived a quiet village life. She is now a literary sensation whose vivid, erotic poems are “stained with blood.”
4．The Mask Of Zorro
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.
The crown passed from the Plantagenet dynasty to the Tudor monarchs who painted Richard as a deformed villain who stopped at nothing in his quest for power, even murdering his two young nephews -- the so-called Princes in the Tower -- to secure the throne.
Ferreira added that while the entire Brazilian population has suffered during preparations for the World Cup, mostly because of big construction projects that have snarled traffic and extended already long commutes for the poor who live on the outskirts of cities, she feels like only the rich are reaping the benefits of the real World Cup experience.
Apple was the only top five PC maker to see shipments grow last year, up over 6%, while Acer saw the biggest fall, of more more than 18%.
Among 36,000 who have reached celebrity status on the Internet, 74 percent are women and 87.8 percent are between 17 to 33 years old, while 89 percent have a college education. Followers are also getting younger and better educated, with 77.8 percent in the 17-to-33 age group and 75 percent with a higher education.
Format: Five residential periods with online learning in between
All but one of the other top 10 categories reflected public fascination with celebrities. Teen pop sensation Miley Cyrus was in third place in the search rankings and television personality Kim Kardashianwas not far behind at fourth place. They were followed by Lady Gaga at No. 5, actress Megan Fox in seventh place, with Justin Bieber, American Idol and Britney Spears completing the top 10. The iPhone stood out as the exception, coming in sixth.
"All of these lists together speak a lot about 2010, and the revolutions in politics and technology of the year," Chan said.
After Google and Apple, are Amazon and Microsoft.
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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
It's the summer of 1983, and precocious 17-year-old Elio Perlman is spending the days with his family at their 17th-century villa in Lombardy, Italy. He soon meets Oliver, a handsome doctoral student who's working as an intern for Elio's father. Amid the sun-drenched splendor of their surroundings, Elio and Oliver discover the heady beauty of awakening desire over the course of a summer that will alter their lives forever.
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The girl, said to be from Shanghai, paid the man between 1,900 and 9,500 yuan every day over a two-month period through online payments using her mother's mobile phone and debit card.