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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.

According to a report by Beijing Statistics Bureau, retail sales of consumer goods in the Chinese capital surpassed 1 trillion yuan ($152 billion) in 2015, up 7.3 percent year on year.
那么多的人视而不见,不承认事实。真相是泡沫无处不在,随时准备爆掉。证据越来越多,结论只有显而易见的一个:泡沫破灭的风险最高可达98%。2014年这次崩盘几乎是铁定要发生的,躲过这枚子弹的概率只有区区2%。

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

As if 2016 hadn’t been hard enough for China’s workforce, an annual survey has revealed that more than half of the country’s white-collar employees got no year-end bonus ahead of the upcoming (and costly) lunar new year holiday.

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

英国国家电网(National Grid)的教育和技能主管托尼?莫洛尼(Tony Moloney)表示,参与该项目是国家电网旨在鼓励学校学生学习STEM科目(科学,技术、工程和数学)以及熟悉本领域工作的总体计划的一部分。

时间:2011-12-06 编辑:Jasmine
4. Fiat. Brand love: -7% / Rank: 85
The 2017 rankings feature the top 60 pre-experience courses for students with little or no background in the industry and the top six post-experience programmes for professionals already working in the sector. Only a handful of schools offer post-experience courses.
n. 改善(正), 修正案,某物质能改善土壤有助生长
3. Your boss received your résumé from a contact of a contact。
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人的身体是十分脆弱的,有些娇弱的器官一旦破坏就永远难以复原。幸运的是,世界各地的研究人员都在研究能替代我们身体部位的生化机械器官。
So I don't know what will happen in 2014--and neither does anyone else. What I imagine, though, looks like this:

Perhaps the biggest domestic threat to the 3% growth scenario would be a surprisingly swift hike in interest rates, but from all indications a dovish Federal Reserve is unlikely to take aggressive action in 2015.
"This is a hard one for people to understand how they're doing it, but it's an easy one for managers to pick up," Kay says. In many cases, you're disengaged, or as Kay describes it: "not being totally mentally present." Maybe you used to chime in a lot during meetings, and now you're quiet. Maybe you're not producing as much as you used to. Maybe you're not excited about a new project you've been asked to manage。
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根据租金指导委员会(Rent Guidelines Board)的数据,在过去20年里,纽约市至少有13.3万个单元因这项规定而变成市价房。政策的支持者表示,如果这一趋势持续下去,租金管制政策会被进一步削弱,从而对市长保留保障房的努力构成阻碍。

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

Change is also under way at Bain & Company, which announced in November that Manny Maceda will become its global leader in March, the first of Asian heritage, and taking the reins of the Boston-based consultancy from Bob Bechek. Experts say Mr Maceda could be instrumental in helping the firm carve out new areas of expertise and edge away from its reputation as a generalist provider.
It is also reported that Chinese citizens made 1.26 billion cinema visits in 2015, a roughly 51 percent increase from a year earlier.

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.

那么多的人视而不见,不承认事实。真相是泡沫无处不在,随时准备爆掉。证据越来越多,结论只有显而易见的一个:泡沫破灭的风险最高可达98%。2014年这次崩盘几乎是铁定要发生的,躲过这枚子弹的概率只有区区2%。
当伊利诺伊大学的研究员着手建立一种靠嗅觉来鉴别化学物质的装置时,他们并不满足于提高人类鼻子的灵敏度。相反,他们发展出一种假鼻子,依靠对细菌的气味来鉴别和诊断某些疾病。
“The new money is interested in old masters, but it wants what Duveen sold to the robber barons. It wants names,” said Hugo Nathan, a co-founder of the London advisers Beaumont Nathan. He was referring to Joseph Duveen, the British art dealer who was responsible for bringing many great works of art to the United States.
但煽动家利用此类抱怨的做法威胁到了民主。

n. 诱惑力,吸引力
17 November
1. China’s leadershipwill ignite the capital economy, funding an aggressive growth program withmajor infrastructure investments to support urban development, including hugeallotments for housing, schools, roads, and more.

新年是这样美好的时光:炉火熊熊,花儿芬芳,醇酒飘香,殷殷祝福,美好回忆,
2010年最让人痴迷的东西是备受期待的iPhone,其他受关注的对象还有女演员林赛 罗韩、iPad、电视节目《欢乐合唱团》和《泽西海岸》。

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。)
尽管该片被洛杉矶影评人协会评为最佳剪辑奖,但却没有受到纽约影评人的重视。它的势头会逐渐减弱吗?
4. "The Big Bang Theory" (3.4 million)

The controlled test takes two-and-a-half hours and, according to theories, Nishi's score and subsequentIQ of 162 would be two points higher than famous physicist Einstein.
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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.

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。
很多明星获得的小金人都被放在了父母身边,安吉丽娜·朱莉(Angeline Jolie)已故的母亲多年来一直保存着女儿因影片《女生向前走》(Girl)获得的最佳女配角奖杯。妮可·基德曼(Nicole Kidman)因影片《时时刻刻》(《The Hours》)获得了最佳女主角奖,奖杯就放在她父母家中的壁炉台上,来串门的邻居都可以看到。詹妮弗·劳伦斯(Jennifer Lawrence)于2013年凭借《乌云背后的幸福线》(Silver Linings Playbook)获得第85届奥斯卡最佳女主角,奖杯放在她父母家中的钢琴上。
在2009年美国经济开始复苏时,全球其他地区开始陷入各自的困境。

1. “暂时没有名字的泡沫”引发30年来的最大规模崩盘
In 2007, Apple released the first iPhone: a full touchscreen phone, complete with its own virtual keypad. To many, Apple had done something new, something never seen before. They had made the first touchscreen phone. But this was incorrect: Apple did not make the first touchscreen phone, nor was the touchscreen a new invention.
Germanyjust hung four onPortugal. It was a bit of a shocking result, at least from the perspective that most observers expectedPortugalto put up a bit more fight. But it was another relatively high-scoring game at World Cup 2014? Not surprising at all.
不会。默克尔可能会接受一支规模较小的欧元区投资基金,但这满足不了这位法国总统的雄心。马克龙想要的是“路线图”,指明如何实现一份相当于欧元区经济产出一定百分点的预算,由一名财政部长监督,完全用于缓冲经济震荡。默克尔想要答应,但她在联邦选举后政治地位受到削弱,因此无法勉强基本上持怀疑态度的德国民众接受这样一个决定。
“The Diary of a Teenage Girl” (Marielle Heller)

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北京市旅游发展委员会指出,污染问题是中国在吸引外国游客入境旅游的过程中面临的又一障碍。
2013年日圆兑美元下跌21%,这为日本吸引来1,000万海外游客,尽管中日两国在东中国海(中国称东海)存在领土争端,然而这些游客中有许多是来自中国的富人。
A historically jittery commodity, crude oil has seen calm prices for three years, and one big factor has been helping smooth the wrinkles: U.S. shale oil.

1月份出口同比下滑6.6%至1.14万亿元人民币,而此前在去年12月份则曾增长2.3%。经济学家原本预计会增长3.6%。这是自去年7月下滑8.9%以来,出口出现的最大跌幅。
他们在培养核心球员,寻求合适的角色球员。他们可是湖人队啊,对他们而言,很有可能会有一到两个有实力的自由球员主动投怀送抱。

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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在西方国家更新、更广泛的国民身份认同里,白人们也有自己的一席之地。但是除非他们接受这一点,“白”的危机仍会持续存在下去。
2017已经是詹姆斯在联盟中的第十四个赛季,但他的场均助攻和篮板竟然还创下了职业新高。在这个赛季的前两个月里,他拿出了整个职业生涯最好的三分表现,但鉴于这已经被各方专家们讨论和剖析,并且被媒体广泛的报道了,我在这里就不加赘述了。
现金全款购房者。难以取悦的贷款人。暴涨的价格。匮乏的挂牌信息。这些现实,都困扰着购房者,使找房子的过程让人倍受打击。不幸的是,在新的一年,购房者们可能依旧需要在卖方市场里打拼。

待售房产:一栋带有四间卧室与四间半浴室的希腊复兴式房屋
葡萄牙的成就说明这种转变是可行的,它为各国政府和能源公司提供了一个实实在在的范例,也告诉他们为什么现在应该投资太阳能、风能、波浪能和其他可再生技术。

妮妮·切利(Neneh Cherry),《空白计划》(Blank Project), Smalltown Supersound
For the New Yorkers who have turned their apartments into bed-and-breakfasts, the battle over illegal inns could reach a fever pitch. On top of it all, Mayor Bill de Blasio’s 10-year affordable housing plan will take shape just as legislation in Albany threatens to strain the pocketbooks of renters. These are among the game-changers looming as we ring in the New Year.
默里留了满脸胡子,这样汉农就能修剪成附图中这种浓密的胡子。“比尔以前从没留过这种胡子,”汉农说,“加点新东西,挺可爱的。”
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这部安静而又激烈的以色列电影最后呈现为一部心理惊悚剧。一个热爱诗歌的教师发现自己的一个年轻学生是文学申通,她采取日益极端的措施,在这个冷漠的世界上保护他的天分。随着故事展开,显然,拉皮德想对这个在权力与拜金的祭坛上牺牲灵性价值和文化遗产的社会进行一番隐秘而激烈的批判。