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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.

《南华早报》援引当地公安局李剑敏告诉新华社记者的消息:“整个加工车间里又腥又臭,人进去待一两分钟就受不了。”
8月份,印度所持有的美国政府债券为804亿美元,7月份则为797亿美元。

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.

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

马特·达蒙凭借他在《火星救援》中扮演的被困宇航员一角而荣获喜剧类最佳男主角奖项。

由于预算充足,该公司的部门经理们可以用独一无二的个性化方式来奖励自己的下属。以下是两个曾给出的奖励:免费在马术训练场驰骋、附带套索和马术表演课程的烤肉野餐。
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。
他通过电梯门递出一张纸条,上面写着"有人被困在电梯内,请叫物业来帮忙。"寄希望于有人可以捡到并来救他。
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.
“尽管大多数中国品牌在国外还不为人知,但在国内,它们打下了很深的基础,”胡润百富董事长兼首席调研员胡润说。
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。

该报告显示,社交媒体,尤其是微信,过去一年里在40岁以上人群中变得越来越受欢迎。
中国正考虑出售在政府补贴政策下累积的过剩储备。
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.

Lenovo CEO Yang Yuanqing
[ri'li:s]
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.
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管理咨询公司自豪地把自己视为针对“变化”提供咨询的专家,从帮助客户在并购后实现整合,到帮助客户置身于新技术的前沿。2018年,世界上最大的一些咨询机构将不得不好好采用自己的建议,因为它们将迎来多年来首次领导层变动,这将对他们的员工队伍具有重大潜在影响。
“他还是抽雪茄的,他抽很多、很多雪茄。”
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.
“写这本书的一大挑战是异性恋男人能改变一个女人的生活并使她死心塌地的看法。”

吊床架
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.”
单词infinite 联想记忆:

有人将一杯滚烫的咖啡洒在了求职者身上。
4.The Mask Of Zorro
[in'k?rid?]
赢家:湖人

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.
Company: Eventbrite

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%.
Eleven James:
中国进口下降在很大程度上源于大宗商品价格走低,而后者反过来又是中国总体需求下降的结果。中国已经多年是铁矿石、煤炭、铜等材料的世界最大消费国。
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

我去年就说过、今年要再强调的一点是:唯一比预测未来更不招人待见的事情就是公开自己的预言。
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.

另一方面,世界杯作为体育盛事和文化体验也成为了热门搜索项。
4、优衣库事件

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.
中国已经成为世界上电影银幕最多的国家。
单词infection 联想记忆:
tunn管道+el表名词,“人或物”→隧道

但是他们摆烂的原因还是各不相同的。比如热火队,他们试图通过输球来锻炼队中的年轻人并且确立一个核心;比如魔术队,他们试图摆脱停滞不前的过程。
英国《金融时报》2017年高管教育排行榜列出了全球85个最佳定制课程和75个最佳开放课程。排名主要基于学员和客户的满意度以及学校收入增长、国际化程度和师资多样性等指标。

二十多年的旨在减少温室气体排放增长的全球谈判几乎没有进展。但在2014年,人们看到了针对这个问题的大规模政治行动的迹象,在30多万人去年九月在纽约举行大游行之后,世界各地的其他城市中也有数以万计的人走上街头。
樟宜机场集团总裁李绍贤先生表示:“连续五年获得Skytrax世界最佳机场的殊荣,这是对整个樟宜机场五万多名职员巨大的鼓励,我们每一位员工都极富热情,并且希望留给每一位旅客最难忘的候机经历。”
然而,在开始攻读EMBA课程之前,男女学员之间已然存在巨大的薪资差距,女性平均薪资较男性低15%,女性和男性的这个数字分别为11.1万美元和12.8万美元。
汤姆?汉考克(Tom Hancock)上海补充报道
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.