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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.

据中国电影监察机构日前表示,2016年中国票房总额有望超过2015年的440亿元人民币(折合68亿美元)。
We asked the Dachis Group, a social media measurement agency, to tell us which brands got the biggest increases in consumer love, and which lost the most ground.

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

"It is a truly a global phenomenon in which people, due to lack of opportunities, have to leave their families behind to provide for them," said Pedro De Vasconcelos, IFAD policy advisor and author of the report.

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

中国的创新表现有所改善,在"创新质量"方面排名第17,这是个考量高校水平、科学出版物数量和国际专利申请量的指标。

Other engines cited among 2014’s best include turbodiesels in the BMW 5 Series luxury sedan and the compact Chevrolet Cruze, the horizontally opposed 2.7-liter six-cylinder in the Porsche Cayman two-seat sports coupe and the 1.8-liter turbo-four in the compact Volkswagen Jetta sedan.
Market watchers were forced to digest the reality of negative 2.9% GDP for the first quarter of the year. All of a sudden, everyone’s forecasts seemed too rosy—or at least too smooth—compared to the lumpy reality. This led to a raft of second-guessing on the timing of the Fed’s eventual exit from its bond-buying stimulus program. We went from confidence to WTF? in a space of a few weeks, with all the asset class rotations and market corrections that come along with a fresh bout of uncertainty.
低效的邮件沟通包括很多内容,从不及时回复邮件,到表达不清等问题都包括其中。如果你没有及时回复邮件的好习惯,你可能会错过重要的会议或者是截止日期,造成推迟以及迷惑,被认为是不专业的。
Dachis says: Adidas added more than 34 million new fans and followers in just 12 months this year. The company put that audience to good use and benefited from high levels of positive discussion all year long.
“十二五”期间,中国累计实际使用外资预计达到6200亿美元,第三产业实际利用外资占比提高到60%以上。同期中国对外直接投资年均增长14.2%。
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May your New Year be filled with special moment, warmth, peace and happiness, the joy of covered ones near, and wishing you all the joys of Christmas and a year of happiness.
The S&P 500’s total return of 14% this year was 40% higher than its 25-year average annual gain. Wall Street’s chief strategists spent much of the last 12 months revising their targets higher from behind. The index printed over 50 all-time record closes, with nearly all investment management professionals racing to at least pull even. A few characteristics made the U.S. stock market particularly difficult to keep up with this year.
在小说中,格洛搬来与邦德在伦敦同居,并在争吵中一起度过早晨时光。
“研究数据时,我不断回到这个问题上来,它其实是个身份政治问题,”挪威卑尔根大学(University of Bergen)研究欧洲极右翼党派的教授伊丽莎白?伊法斯夫拉腾(Elisabeth Ivarsflaten)说。“这是民粹主义者获得支持的最有力的征兆。”

'Her,' which was written and directed by Spike Jonze, takes romance into the virtual realm, and its hero on a gently crazed journey of genuine passion. Joaquin Phoenix is the poignantly lonely guy who falls in love with his smartphone's new operating system. The basic conceit is a fragile one, but it's beautifully and bravely developed, as well as elegantly photographed by Hoyte Van Hoytema, with perfectly calibrated performances by Mr. Phoenix, Amy Adams and Scarlett Johansson, who is that system's voice and soul.
1. Discipline them: Of course disciplining our children is a given in any home. But we need to ask ourselves if we are disciplining our children properly? Who
与无锡接近的涨幅第二的城市是湖南省省会长沙,该市环比涨幅为4.5%。
In this Jan. 7, 1997, file photo, Steve Jobs, chief executive of Pixar, speaks at the MacWorld trade show in San Francisco.

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

泰勒·斯威夫特《名誉》
去年12月份达成的预算协议很难称得上是华盛顿激辩多年所希望看到的、能够提振信心的协议,但至少它为华盛顿不断上演的政治博弈按下了“暂停”键。在过去三年中,华盛顿每年都会上演的这种博弈对经济的复苏构成了威胁。

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.

Hangzhou in Zhejiang Province and Shenzhen in Guangdong Province made the biggest progress in improving traffic with measures including vehicle restrictions and better road links, said the report.
“The steady and now record-breaking rise in average global temperatures is not an issue for another day,” Michael R. Bloomberg, the former New York mayor who is spending tens of millions of dollars of his personal fortune to battle climate change, said in a statement. “It’s a clear and present danger that poses major economic, health, environmental and geopolitical risks.”
“People are used to the Fed saying it will tighten but, in the end, with volatility or other risks on the horizon, policymakers take it back and it’s a case of if in doubt, stay on hold,” Mr Koepke says.
对于共同创始人哈勃,未来12个月的第一要务是强化Bigcommerce的内部科技人才队伍,提供能够帮助商户构建更紧密客户关系的服务。一个例子是提供数据,帮助店铺经理追踪“被丢弃的购物篮”,以及提供能够将浏览者转变为买家的交易。这能推动商户的月销售额迅速增加15%,他说。

According to a 2014 survey it conducted, 86 per cent of respondents who finished the two years said they were taking action to end educational in-equality through their work and 65 per cent outside of their work.
最佳女歌手:米兰达·兰伯特
About 40 per cent of entrepreneurs did not seek any help when securing finance. Half of these raised equity purely from their own savings and/or family and friends compared with only 40 per cent of those who sought help from the school or alumni network.

“It’s very easy to see the leaders in the current market are in a fairly tenuous or precarious position right now,” Gilbert says. “That’s evident by how quickly they’re innovating on each new device type.”
当科比的身体长到了6尺6寸时,高中时期的他已经是一个相当中型身板的家伙。可以想象,在1996年,想抵挡住17岁的科比进攻就很难。我相信,这几乎是不可能的。

roman浪漫+tic表形容词,通常放在一个名词前,“与…相关的,…的”→浪漫的
4.British people may seem to apologise a lot, but it doesn't quite mean the same thing here. In the UK, "I'm sorry" actually means either a) I didn't hear you; b) I didn't understand you; or c) I both heard and understood you, and I think you're an idiot.
据《每日经济新闻》报道,这16家上市银行计划向股东返还3562亿元现金分红,与前一年相比减少了83亿元。

《财富》美国500强公司苹果(Apple))已宣布,将从现金中拿出300亿美元用于股票回购。这个消息让投资者很高兴:股价暴涨,甚至在消息发布一周后,这只股票相对于标准普尔指数在这7天上涨了12%。苹果有一项规模更大、总额高达1300亿美元的资本回报计划,将一直延续到2015年,而这些回购就是这项计划的一部分。
这间增加的厨房大约40英尺长(约12米),风格与原建筑保持一致,内有复杂的天花板木制结构和几处由世纪工作室(Century Studios)设计的彩色玻璃板,该工作室是明尼阿波利斯市的一家公司,其玻璃确保来自弗兰克·劳埃德·赖特(Frank Lloyd Wright)曾指定的那家芝加哥制造商。厨房里的不锈钢电器包括一台五英尺宽(约1.5米)的炉灶和一台Sub-zero的冰箱。餐厅区经由10英尺高(约3米)的玻璃门通往屋后的一处露台。
台风艾玛
中国旅游研究院国际旅游研究所(Institute of International Tourism)副所长蒋依依认为,外国游客数量下降的部分原因在于人民币的升值。

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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You're networking – yes! But you're networking so thoroughly within your industry that word gets back to your boss. "The world is small," says Andrea Kay, career consultant and author of "This Is How To Get Your Next Job," so this kind of thing does happen. When sharing your résumé and other job-search materials with new and old professional contacts, explicitly state that your hunt is confidential, Foss says。

Most Catholics (60 percent) and white non-evangelical Protestants (65 percent) say they believe disasters like hurricanes and floods are the result of climate change.
IMD participants praised the way their training pushed them out of their comfort zones and also the one-on-one coaching sessions tailored to their individual business situations. “It was an eye opener about what a good leader is,” commented one participant. “We learnt about ourselves first, what drives us and why, in order to manage others.”
Julian Evans-Pritchard, China economist at Capital Economics, commented:
这个belty运用现代科技追踪健康状况,水的摄入量,和动作,但你要花395美元,可能更值得买一个时尚的智能手表或运动手环。
因为参加了一档电视真人秀节目《Dance Moms》,来自宾夕法尼亚州的12岁明星玛蒂?齐格勒火爆全球,澳大利亚流行歌手希雅的多首歌曲的MV中也有她的身影(图)

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祝新年快乐,并致以良好的祝福。
此外,在最新出炉的50位亿万女富豪中,有32位是白手起家。
Whatever happened to ‘Never complain; never explain' – the unofficial motto of the House of Windsor?

"Compared with previous years, this year's two sessions are due to see the new leadership elected, and reforms of organizations will be discussed. They will also elaborate on detailed plans for implementing policies proposed by the 18th National Congress of the Communist Party of China."
从几乎所有单项指标看,巴黎高等商学院都没有排在首位,但它整体表现强劲。该学院学生毕业3年后的年薪为9.3万美元,位居第五;性价比以及毕业生国际流动性位居第三。该学院还在目标实现率方面并列第一(93%)。

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

The CPI rose by 2 percent.
Morgan Stanley CEO James Gorman will do an about-face on the bank's 'lower risk' corporate strategy.
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4. Will China's one-child policy change in 2010?

并非所有评委都认同该书提出的解决方案,但无人质疑其论点的力量。
In the episode "The Little Kicks," we get to see Elaine's fabulously hilarious dance moves. It's almost impossible to imagine a version of Seinfeld in which Elaine doesn't dance in such a funky way. And yet shockingly, this was almost the case. Writer Spike Fereston knew that series creator Larry David was against the dance, and he was only able to get it approved after David left. He was able to get the dance approve, but still received a lot of push back from the other writers.

['pri:vj?s]
Dachis says: The news just keeps getting worse for Mitsubishi. Low sales triggered a decision to pull out of the European market and if the levels of negative discussion are any indicator, 2013 doesn’t look to be any better.
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莱昂纳多凭借他在《荒野猎人》中的演出斩获最佳男演员奖项,打败了埃迪雷德梅尼等劲敌。埃迪凭借在《丹麦女孩》中的演出获得金球奖提名。坊间盛传小李子有望在今年夺得他人生中第一座奥斯卡奖杯。
他说:“目前为止,健身追踪器还不属于这类产品。但是下一代可穿戴设备有潜力跨越这个至关重要的里程碑。”