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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.

“With the vast number of cutting-edge, eco-friendly faux furs available on the market today, I'm sure you'll agree that there's no longer any excuse for killing animals for their fur.”
伦敦商学院的学员品质优秀,这让该商学院尤其具有价值。一位2011届的MBA学员表示:“跻身于如此人才济济的学习环境让我坚信,我可以独立做成某些事情。”

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

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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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It Pays to Get Along
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因此,在这个世界把你打败、为你冠以头衔前,发表独具风格的宣言,定义你心目中的自己。

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There are, for example, clear differences in the way the products are pitched to investors in the US and Asia. A high proportion — some estimate 90 per cent — of funds in Asia are commission-based. This disadvantages ETFs because they are openly traded on stock exchanges and are not structured to pay commissions to banks, brokerages or financial advisers that might recommend them, unlike the mutual fund industry in the region.

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

PwC has counted votes and provides winner envelopes for the Oscars and has done so for more than 80 years. This is the first time in Oscar history that the wrong envelope had been opened while an award was being announced.
China saw its population grow last year, along with an improved male-female ratio and the level of education, according to a survey from the National Bureau of Statistics that was released on last Wednesday.

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.

*Guest Actress in a Comedy Series: Tina Fey and Amy Poehler, “Saturday Night Live”
《财富》美国500强公司美国电话电报公司(AT&T))也于3月份批准了回购至多3亿股股票的计划,价值约105亿美元。这项回购计划是它过去三年中宣布的第四项回购计划。这家公司自从2012年开始股票回购至今,总计已经回购了7.75亿股的股票。
这一点毋庸置疑。从卫生间标志到时装秀,性别界线正在加速变得模糊。现在我们差不多该抛弃传统的“女孩用粉色,男孩用蓝色”的成见了。
美国的麻省理工斯隆管理学院(MIT Sloan School of Management)位居第五,从而阻止了法国商学院囊括前五名。

I know this takes time, but it'll ensure you really know your stuff. And that's why you're going to school. Right?
对于很多西方白人来说,取得“获得性身份认同”(登上山巅)的机会似乎已经变得遥不可及。所以“先赋性身份认同”——也就是他们的“白”——变得比以往更加重要起来。
综合考虑,这些事实与战略规划凸显了中国航天工业的认知——为了成为有竞争力的全球飞机制造商,中国需要拓宽行业的广度与深度。在他们掌握了价值链的两端——飞机设计与集成组装后,中国意识到长期处于价值链中游的组装和子系统地位将摧毁他们的航空业。这就是为什么中国雄心勃勃地与波音、空客等飞机制造商以及美国通用电气公司、劳斯莱斯等发动制造商竞争,形式前所未有地激烈。

'Cutie and the Boxer' was hardly noticed by the movie-going public, but a list of fine films isn't a rundown of box-office triumphs. The reach of Zachary Heinzerling's debut feature-length documentary is equaled by its grasp. On the surface it's about nothing more-or less-than a troubled marriage that has somehow managed to last 40 years. Beneath the surface, then startlingly out in the open, is a history of rivalry (both husband and wife are artists), enmity, reluctant devotion and, most startling of all, enduring love.
自从这家技术公司十年前开始发布这一年度报告以来,这是新闻首次成为最热门的搜索项。搜狐资深编辑兼网络趋势分析师陈女士(Vera Chan)说,出于各种原因,英国石油公司漏油事件成为了最热门的搜索话题。

从2015年至2016年,美国ETF市场增长20%,而亚洲市场仅扩大10%。分析师们表示,从两个角度可以看出亚洲ETF市场的规模不及美国和欧洲:后者的市场规模是亚洲的两倍,ETF管理的资产规模为7160亿美元。
The 30 percent increase is to be driven bymore specialty drug innovation, greater patient access to medicines and reducedimpact from patent expiry dates.
报告还指出,其中2.01亿(27%)网民来自农村地区,城市和农村地区互联网普及率差距为45.2%。

Will a stable and liquid bitcoin futures market develop
The indicators included intellectual capital and innovation, technology readiness, important regional cities, healthcare, safety and security, transportation and urban planning. Others were sustainability and the natural environment, culture and lifestyle, economic clout, cost and ease of doing business.
他补充说,原本的故事情节里有个无法回避的问题,因为格洛本来的设定是个深陷对邦德的欲望而无法自拔的女同性恋。
如果(转变经济发展方式)还是空谈,不去付诸实施,那不是说又好又快,根本就撑不住啦。“

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.

A jailed con artist who falls in love with another inmate and escapes prison multiple times could only be the work of fiction, but this is more or less the real story of Steven Jay Russel. Much like his film counterpart, played by Jim Carrey, Russell was originally sent to prison for fraud. He escaped his first sentence to be with his partner Jim Kemple, who at the time was dying from AIDS. Russell was found two years later and returned to prison. Kemple died soon after.
About 71.9 million units were shipped in the period, which includes the key Christmas shopping season. IDC said the decline was the worst since it started tracking PC shipments.
8月份,Facebook首席执行官马克扎克伯格说:“我们认为这对我们国家的未来真的很重要。”

Hunger Games star Jennifer Lawrence on Tuesday topped a Forbes magazine list of the world’s highest-paid actress for the second straight year, earning some $46 million, followed by Melissa McCarthy.
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Farewell to Don and his perfect suits, to Peggy and her plaids, to Joan and her jewel tones and sheaths.
CEO:作为汽车业新人,通用CEO玛丽o芭拉和福特CEO马克o菲尔兹开始密切观注菲亚特和克莱斯勒集团CEO的塞尔吉奥o马基奥尼的一举一动。虽然他的商业帝国横跨欧美两个大陆,但马基奥尼还是成功地把公司的美国市场份额提高了1.2个点,完全没有受到公司最弱的一条产品线以及八速变速箱问题的影响。
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但支撑其大国地位的经济基础正逐步下滑。
The highest average monthly salary for 2016 graduates is 5693 Yuan in IT/Internet/telecommunications/electronics industries; second is financial industry and culture/sports/entertainment/media industries with average salaries level of 4685 Yuan and 4552 Yuan respectively; monthly salaries in agricultural/forest/grassland farming/fishing, and services/ educational sports/industrial arts are relatively low among signed graduates, respectively are 3500 Yuan, 3873 Yuan and 3900 Yuan.
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另外上榜的有Pink,勒布朗詹姆斯,赛琳娜戈麦斯,伊恩萨默海尔德,Jay-Z和碧昂丝夫妇,本阿弗莱克等明星。
卢华东表示:“今年是西藏反贫困的重要时期,我们将根据不同情况和引起贫困的原因,继续制定政策和计划,并持续增加资金。”

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

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主流网络游戏仍然是大型多人在线角色扮演游戏 (MMORPG)。报告说,今年10月,中国最热门的10款网络游戏中有6款都属于大型多人在线角色扮演游戏。动视暴雪(Activision Blizzard)开发的《魔兽世界》(World of Warcraft)在注册用户和最高同时在线人数方面仍然排名榜首。但报告指出,目前围绕着这款游戏大陆运营权的政府监管纷争可能会给《魔兽世界》带来负面影响。网易公司目前持有《魔兽世界》的中国大陆独家运营权。
奥巴马在俄亥俄州、威斯康星州、爱荷华州、宾夕法尼亚州和新罕布什尔州都以微弱的优势超过了罗姆尼,而在这些地方罗姆尼都曾经前往发表过演讲。根据网络数据,唯一被罗姆尼的风采征服的摇摆州是北卡罗来纳州。

其中还出现了一些长期霸榜的易泄露密码,出于某些原因,网友们一直热衷于使用这些密码。
Average age: 37

去年,酷热天气覆盖了阿拉斯加州和大部分美国西部地区。地面温度在所有有人居住的大陆上都创下了记录。科学家说,海洋表面在除南极洲附近海域以外的几乎所有水域中都异常温暖,为造成巨大破坏的太平洋风暴提供了能量。
马纳尔·阿尔-谢里夫(Manal al-Sharif)
The cemetery was first found in July 2007and was excavated by the Xinjiang Institute of Cultural Relics and Archaeology,with assistance from local authorities. The research team, led by Zhiyong Yu,director of the Xinjiang Archaeological Institute, published the findings in Chinese in the journal Wenwu. The article was recently translated into Englishand published in the journal Chinese Cultural Relics.
作为历史上一种非常敏感的大宗商品,原油价格走势已连续三年保持波澜不惊,其背后的一大支持因素就是美国的页岩油。
法国是人们最常去的国家之一,整体排名第九。“文化影响力”排名第二,“强国”排名第六。