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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.

至于英格兰嘛?或许最好的事情应该便是在此次比赛中无人会期待有任何事情的发生,而对于英格兰而言,不从小组赛中淘汰掉便是一个褒奖了吧。
玛丽亚姆·谢里夫(Maryam Sharif)

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

织密扎牢民生保障网。

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

From master story teller, Guillermo del Toro, The Shape of Water comes another worldly fairy tale for his audience, set against the backdrop of Cold War era America circa 1962. In the hidden high-security government laboratory where she works, lonely Elisa (Sally Hawkins) is trapped in a life of isolation. Elisa's life is changed forever when she and co-worker Zelda (Octavia Spencer) discover a secret classified experiment.

一位来自美国佛罗里达州的少女引起了世人的惊叹,因为她长得酷肖迪士尼动画电影《冰雪奇缘》中的艾丽莎女王。
6. You don’t just pass in front of the TV if i’m watching football, you better crawl on the floor.
日前,美国民主党候选人希拉里·克林顿承诺,如果她在总统竞选中获胜,那么她的内阁将有半数成员是女性。
Here is my best guess - and that's all it is - for how the U.S. economy and markets will look in 2010:
7月,中国政府首次尝试规范互联网金融,央行、银监会、证监会等10家机构联合发布指导意见,提出了“互联网金融”的官方定义,并明确了各机构负责监管的互联网金融机构类型。
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Ladies and gentlemen, may I welcome you to the Bad Manners Awards 2016?
如果我们问你“你想要多少月薪?”你应该说随便,或是根据工作责任而定。除非我们逼你,别自己说出一个具体的数。因为那只会让我们在商量上面占上风。
全球其他地区能加以配合吗?
成功的创业者在自己创业之前,通常都曾在同一领域的其他公司工作过。在业内工作数年时间,并且找一位优秀的导师,将为你的创业成功奠定坚实的基础。从前辈的错误中总结经验教训,思考如何改进他们的模式。找到愿意指导你的人,然后再考虑自立门户。

While the president emerged as the narrow winner on the night, the encounter, which was cordial and largely uneventful compared with the previous two debates, is unlikely to have much impact on the outcome of the election.
除此之外,该杂志还指出,特朗普为竞选总统自掏腰包6600万美元,并且支付了2500万美元用于解决特朗普大学的相关诉讼。
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%.
Writing for a Variety Special: Patton Oswalt, “Patton Oswalt: Talking for Clapping”

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

n. 基金;资金,现金(fund的复数) v. 提供资金
中国国家统计局(NBS)数据显示,今年10月中国工业生产者出厂价格指数(PPI)同比上涨1.2%,这是该指数连续第二个月同比上涨,此前53个月的下跌最终是在今年9月画上句号的。

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 year promises to bring Australia and China closer and provide more opportunities for further engagement, be it in tourism and travel or more broadly in trade, sport and culture or social and academic exchanges," says Ciobo.
法国巴黎高等商学院排名第二,尽管该学院在除MBA以外的所有排名中都胜过伦敦商学院。法国巴黎高等商学院最终不敌伦敦商学院的原因是,其高管MBA课程Trium是与伦敦经济学院(London School of Economics)和纽约斯特恩商学院(Stern School of Business)合办的,因此这门课程在该项排名中的得分只有总得分的三分之一。(合办课程的商学院参与EMBA课程排名时按比例获得分值。)
Three leading energy agencies recently said production from outside the Organization of the Petroleum Exporting Countries would increase this year, much of it from U.S. shale. Added to that is the possible return to market of millions of Middle East barrels as Iran, Iraq and Libya potentially ramp up production. All of that is set to press on prices.
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报告结果基于今年8月、9月针对全国15870位民众开展的调查。
根据弗雷斯特研究公司(Forrester Research)的预测,今年美国网络商店的销售额将达到2,940亿美元,约为全国零售总额的9%。据弗雷斯特预计,到2018年,电子商务将占到全美零售总额的11%,约4,140亿美元,其中通过平板电脑和智能手机进行的交易约占线上销售额的20%。
Whatever one's view, two further points for and against Russia's global standing are undeniable:

下面是2014年的几部重现活力、需要刮目相看的老剧——以及几部死气沉沉的老剧。
The director Bennett Miller saw Mr. Carell as a good choice to play du Pont but didn’t want him to be too recognizable. He charged the makeup designer Bill Corso with the task of altering Mr. Carell’s look.

Games are serious business in China. The country's online game market will reach 41 billion yuan by 2012 ($6 billion), accounting for half the global market, according to newly released data from Cnzz.com Inc., a Beijing-based third-party data analysis firm (related report in Chinese here).
近几十年来,很少有年份像2014年那样一开始就充满那么多的悲观情绪。对2014年的预测贯穿了一个主题,即这一年看起来与1914年相似得让人害怕。大多数学者的预测都是悲观和令人沮丧的,尤其是对于东亚。然而,虽然发生了许多可怕的事件——从马航MH17航班在乌克兰坠落,到尼日利亚数百女学生被绑架,以及“伊拉克和黎凡特伊斯兰国”(Isis)的崛起——但我们避免了全面的世界大战。现在,2014年已结束,没有重现1914年的悲剧。探究为什么这些学者预测错了(特别是他们认为亚洲存在冲突可能性的想法)或许是明智的。
Although it looked like the mobile patent wars might cool off after several settlements late in 2014, this year kicked off with a skirmish between Apple and Ericsson over patent royalties related to wireless communications. BlackBerry used to be pretty litigious: It even took on celebrity Ryan Seacrest over its keyboard! But these days it is more focused on trying to convince smartphone buyers that its technology is cool again. Or at least relevant.

An Obama tweet, published in August after racial violence rocked Charlottesville, Virginia was the second most-shared this year, according to Twitter, with more than 1.7 million retweets.
埃尔多安发表上述言论之际,距荷兰大选投票已不足24个小时——反伊斯兰候选人海尔特?维尔德斯(Geert Wilders)引发的围绕伊斯兰在荷兰社会中角色的热烈辩论,让本次大选变得格外有看头。维尔德斯的自由党(PVV)目前在民调中排名第二。
A Beautiful China where the sky is blue, the land is green, and the water runs clear
需要注意的是,票房总收入和个人收入是两个不同的概念。在2012年6月到2013年6月期间(这是我们编制最新全球100名人榜所采用的时间段),唐尼的估计个人收入为7,500万美元,比强森多挣2,900万美元。而本文所讨论的数字是每位明星出演的电影在今年斩获的全球票房。

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.

LONDON — In the 1970s, the British comedian Tommy Cooper used to tell a joke about asking an auction house to value a violin and a painting that he had discovered in an attic. The good news, he was told, is that they were made by Stradivarius and Rembrandt. The bad news was that the painting was by Stradivarius and the violin was by Rembrandt.
10.超敏感电子皮肤
14. 《与外婆同行》(Grandma),导演:保罗·韦兹(Paul Weitz)。

PBS的"越南战争"赢得美国电影学会颁发的特别奖。
Four factors should fuel the jobs recovery in 2013:[qh]
The American share in the total drugspending is about one third. IMS experts estimate that in 2014 it will rise11.7 percent. The UShas particularly high prices, according to the report, but drug makers defendthis by citing the soaring cost of new medicine development.
adj. 能生产的,有生产价值的,多产的
买securities很不security(n 安全)

silicon
There was no indication of the identity of the kidnappers or their motive.
单词conduct 联想记忆:
adj. 仁慈的,(为)慈善事业的,宽恕的

据外媒体育网站sbnation.com报道,德国战车在刚刚结束的比赛中以四粒进球完胜葡萄牙。比赛结果令人震惊,多数观察员原本希望葡萄牙的攻势能更猛烈些。但这是否是本届世界杯又一场比分悬殊的比赛?的确不足为奇。
This changed two years ago, though, when Tsinghua University broke into the top 20 for the first time, ranking 18th in 2016. Last year, Peking University joined it in the top 20.

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

单词avoid 联想记忆:
4.无人驾驶的汽车
远离熙熙攘攘的繁华都市,密歇根上半岛主打自然风景与美景,种种景观令人叹为观止。
其次,尽管人们还守着老的观念,现实却已经发生了变化:供应链管理——也就是确保货物以尽可能低的价格和尽可能高的效率到达目的地——已经成为一项高科技、高风险的行业了。它要求从业者“硬件能力”和“软件能力”缺一不可,而能达到这种要求的人才实在很少。

但他认为自己任教的经历非常宝贵,可以让他很快适应新的职业阶段。
我倒是并不担心费城、凤凰城和明尼苏达的球队。他们队伍都很年轻,都在重建的路上。如果他们能够取得进步,那很好,就算没有,他们也能获得高顺位的选秀权。而篮网队则是另一个故事了,我们稍后会讨论到他们。

A New Year greeting to cheer you from your daughters.愿女儿的新年祝福带给你快乐。
阿里巴巴旗下品牌淘宝位居第二,品牌价值429亿美元,超过了中国移动、百度和中国工商银行。
The sketch of a monkey in an ink painting was made by Chinese contemporary artist Han Meilin, who also designed the "Fuwa" mascots for the 2008 Beijing Olympic Games. The ink painting was deemed "cute" by most web users, and represents a traditional art style. The program producer named the monkey "Kang Kang", which means "healthy" in Chinese.
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Obama enters his second four-year term faced with a difficult task of tackling $1 trillion annual deficits, reducing a $16 trillion national debt, overhauling expensive social programs and dealing with a gridlocked U.S. Congress that looked likely to maintain the same partisan makeup。