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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.

金球奖的独特之处在于其同时设置电影和电视奖项。而当地时间周日的这场典礼更是前所未有地模糊了二者的界限,大大褒奖了电视领域这一年来的出众表现。现已剧终的热门电视剧集《绝命毒师》(Breaking Bad)今年首次拿下金球奖,赢得了当晚最热烈的欢呼声。该片荣获剧情类最佳系列剧集奖,片中演员布赖恩?克兰斯顿(Bryan Cranston)荣获剧情类系列剧最佳男演员。
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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

身为欧元区较弱经济体之一的意大利,是欧盟国家中获得中国企业投资最多的。这主要归因于倍耐力(Pirelli)和中国化工(ChemChina)达成的79亿美元交易。法国排在第二位,通过旅游和基础设施行业的一系列大笔交易获得36亿美元投资。

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

Sorry, folks, but if you're an investor hoping America's political internecine wars will improve in the near future, just don't invest. The war between Congress with it's abysmal 10% approval rating and the president, the war between the Dems, GOP and the tea party, is going to get even worse, upsetting markets and the economy even more.

Song “The Spring Blossom” (Na Ying)
“An interviewer walked inta closet instead of the meeting room.”
This ranking measures the quality and breadth of the schools’ postgraduate programmes. It is based on their performance in the four main rankings published by the FT each year: MBA, Executive MBA, Masters in Management and Executive Education. Only schools that take part in all four rankings are eligible for a full score.
The potential impact of any surprise move in Fed policy was clear in the “taper tantrum” of 2013, when just the suggestion that the Fed might soon rein in its ultra-loose monetary policies was enough to provoke a wave of global panic.
Blake Griffin
Although Guo has not given any timetable for her retirement, her announcement at December's East Asian Games about a possible one-year hiatus is a clear enough signal. From all evidence, her relationship with Fok seems to have entered another stage. Unless they truly believe that the Chinese lunar calendar warns against a "widow's year" in 2010, we might well see Miss Guo become Mrs Fok.

In the MBA ranking, LBS, Insead and Spain’s IE Business School are bunched together with only a few dollars between them. Insead has the top salary at $155,015.
The so-called IP-BOX will work on iPhones running iOS 7 and older. It takes 6 seconds to 17 hours hours to crack the four-digit passcode. The Daily Mail purchased the device and cracked the code on an Apple iPhone 5c in 6 hours. A version that will work on iPhones running iOS 9 will be available later this month.
这也是短信应用独有的棘手问题。在消费内容时,我们希望广告乖乖待在一边。没人想在聊天时突然有条广告蹦出来。雷表示:“人们在聊天时最不想看到的就是打断对话的广告条或弹出式广告。可能这在非个人的网络上还管用,但在短信中,人们最恼火的就是看到传统广告。”
一名校友表示:我们被迫远离了安逸,但获得了独特的体验。

Gunmen kidnapped 18 Turkish workers Wednesday in Iraq's capital.
发行于2013年的《炫富帮》是一部语带讽刺的犯罪剧情片,记录了一帮好莱坞山高中生的冒险,他们偷到了当地名人的家里。少年们进入梅根·福克斯和帕丽斯·希尔顿这样的偶像家,偷走现金、衣服、手袋和珠宝,用来模仿杂志上让他们羡慕的奢华生活。在朋友圈炫耀战利品的照片后,他们终于被抓进了监狱。
The writer is a senior associate at the Carnegie Endowment and a former World Bank country director for China. Read other predictions for the world economy, politics and finance in 2012 at www.ft.com/thealist
根据国内领先的求职平台前程无忧近日发布的一份关于2016年应届毕业生的研究报告显示,52.11%的高校毕业生已找到工作或自主创业。

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

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尽管金融行业整体趋势向上,但相较于男性,女老板执掌的企业筹得的资金历来处于落后状态。例如,2013年上半年,寻求融资的企业中,老板是女性的企业仅占16%,而其中又仅有24%的女性接受了天使资金。Plum Alley是一家为女性创业者提供在线商务服务的平台,最近该公司推出了一个专注于帮助女性创新者推进到下一个事业阶段的众筹平台。作为呈现爆炸式增长趋势的众筹领域(预计明年规模将达到39.8亿美元)中的首个此类平台,我们应该能看到Plum Alley在未来一年中在女性创业领域扮演重要角色。

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.

“This growth is further backed by Video Editing making an appearance at number 3 on the list with a 19% increase,” the report states, “as video content becomes one of the initial draws and call to actions for most customer-focused websites. Heavy video marketing through social media also increases this demand.”
8.Prosthetic Hands That Sense Touch
达奇斯说:强大的财务性能和一系列新的特性使得邻客音成为2012年吸引用户的公司。这样的吸引力有助于公司在2013年从专业的业务网络转向活跃的交流平台。
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n. 监牢,监狱,拘留所
n. 准学士学位获得
While British schools moved up two places on average, French schools, the largest group from any one country, fell one place on average. EMLyon Business School dropped outside the MBA ranking and lost 15 places overall, while Edhec Business School failed to make it into the Executive MBA ranking and lost eight places overall as a result.

7.Thought-Controlled Bionic Legs
While people in first-tier cities are under more pressure, smaller cities may not be the ideal place to live either, according to the 2016 Annual Report on Social Mentality of China by the Chinese Academy of Social Sciences.

连平说道:“在2017年的低基准上,今年CPI可能会以一个更快的速度上涨,但在需求稳定、货币环境紧张的背景下,不会出现明显的通胀压力。”
面试官走进了壁橱,而不是会议室。
That Apple could launch a 2,000 yuan ($330) iPhone mini and be competitive with flagship products from Lenovo, Huawei, ZTE and Coolpad.

自迈克尔?哈内克之后,再没有人像希腊导演欧格斯?兰斯莫斯那样喜欢在电影作品中解剖社会习俗了。两年前,他的电影《龙虾》用其看待社会的辛辣视角完全征服了戛纳电影节。在《龙虾》描述的社会中,如果成年人无法在45天内寻找到一个爱侣,就会变成动物——这也是我们的世界,只是将集体思维和从众性推向了最大的极限。如今他又带着新作《圣鹿之死》回归,这是关于一个外科医生(科林?法瑞尔饰)和他的妻子(妮可?基德曼饰)的家庭惊悚电影。这位妻子也是一个医生,她像朋友一样对待没有父亲的少年马丁。马丁似乎决心暴露这个家庭的秘密,并揭开这对夫妻过去的一段可怕的创伤。这部电影想表达的难道是家庭(也有可能是社会)的平静有时候依赖于共享商定的谎言?不管是不是,准备好接受惊吓吧。该片将于11月9日在丹麦上映,11月16日在俄罗斯上映,11月30在中国香港上映。(A24制片公司)
These are the major winners of the 68th annual Primetime Emmy Awards. Additional winners are listed at emmys.com.
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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.

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adj. 仁慈的,(为)慈善事业的,宽恕的
(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。

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n. 运动,活动,战役,竞选运动
n. 珠宝,珠宝类
The US has overtaken India as the leading user of anti-dumping and other trade defence cases, with China and its steel sector the biggest target, according to research.
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流通量小也助长了给猴年邮票创纪录的价格。在1980年,只有500万“金猴”枚邮票发行,所以现在非常罕见。
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Deepening reform in major sectors and key links
move动+ment表名词,“行为或结果”→运动

Last year saw a series of disastrous floods hit countries worldwide, including the UK, which in December experienced its wettest month since records began in 1910.
"这个家伙对当前情况作了利弊权衡:他有很大机会从故障电梯逃生,但是如果家庭作业没完成,他会很倒霉。"一名名为Zealshifang的用户调侃道。

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

That was a less marked jump than the 3 percentage point rise from August to September, however, suggesting recent curbs to property purchases may be having some effect.
Recruits are expected to have a decent degree result — a 2.1 or above. While academic credentials are important, Teach First also looks for personal skills such as humility, respect and empathy. Applications to join the scheme outnumber the places available by seven to one.
Against: Opening so early in the year outside of awards season could hinder its chances.
来自中国首都北京的北京大学和清华大学,分列2017年亚洲大学排行榜的第二、三名。而新加坡国立大学则位居榜首。

“Insead enormously boosted our intercultural experience,” said one alumni survey respondent from Switzerland. “It is a place to learn global culture better than anywhere else.”
The United States ranks No. 7 overall. The country with the largest economy in the world is also considered the most powerful. It ranks No. 3 in Entrepreneurship and No. 3 in Cultural Influence, as well.

Fifty-two colleges and universities across 11 provinces in China are equipped with vending machines that sell AIDS detection reagent for students to conduct self-examinations.
4. Statistician
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.
7. WordPress CMS
除了P2P贷款领域发展迅速以外,今年还涌现出一些网络银行和贷款机构——比如腾讯(Tencent)的微众银行(WeBank)、阿里巴巴(Alibaba)的网商银行(Mybank),以及蚂蚁金融(Ant Financial)的芝麻贷(Sesame Credit)。