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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?

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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.

It was in Giambattista Valli’s most recent autumn-winter show, full of puffed-sleeve printed tunics over matching trousers and drop-waisted schoolgirls shifts, and in MaxMara’s ode to Marilyn Monroe’s 1962 photo shoot with George Barris.
互联网已经让世界变成了平面,Facebook让我们大家团结起来,组成一个大家庭。我们的祖父那一辈人是地区的传承者,我们这代人是国家的传承者,而你们则是世界的传承者。你现在和任何人的联系只有4.74个人的距离,到达全球任何有人居住的角落平均只需要两天时间。你可以踏上旅途。无论是非洲、欧洲、印度、中国还是巴西,前往那些能让你学到最多东西的地方,拥抱那个可以教给你最多东西的国度。

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

The regulator said that although this year's growth will be slightly lower than 35 percent due to the Chinese currency's depreciation, the film market will still see robust growth.

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

n. 基金;资金,现金(fund的复数) v. 提供资金

A sub-index tracking activity at larger enterprises softened 0.7 points to 53.1, while mid-sized companies fell 1.3 points to 49.9, indicating slight contraction. That for smaller manufacturers fell 0.4 points to 49, indicating worsening contraction.
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.
We have confidence that we will continue to open this country at a higher level, and maintain this country as a popular destination for investment. We welcome other partners to work with us to share in the development opportunities of China.
结果那些要求进行设身处地和角色扮演的人在随后的提问环节表现最好。准确地说,这些运用设身处地法进行记忆的人记单词的效率是使用其他记忆方式的人的三倍。虽然主持这项实验的科学家们研究的是设身处地法对患有记忆力损伤的人恢复记忆的影响,但无论人们有没有记忆损伤,皆可能受益于此。如果你想记住朋友在哪买了一双鞋子,不妨就试着想象走进店里买鞋的是自己。
Two arrests have been made in connection to the shooting death of 14-year-old Lecent Ross, police said Thursday.
Take the intriguing reintroduction of “unfeigned regards” — last big in the 18th century and now found on emails from Indian help centres. But the winning sign-off, at the bottom of a message sent one Friday, was: “weekend well”. I nearly awarded it second prize for the best noun pretending to be a verb, though at the last minute this award was snatched by a consultant overheard saying: “Can we cold towel that?”

德国总理默克尔的年收入为21.84万欧元(约合24.2万美元)。德国总理的薪水在今年三月初上调2%,并将于明年二月继续上调2%。
单词continuous 联想记忆:
China’s bid to close its own Asia-Pac deal
除了印度,其他金砖国家——巴西,俄罗斯,中国和南非——也削减了对美国政府债券的持有。

China’s official producer price index rose 1.2 per cent year-on-year in October, according to the National Bureau of Statistics, marking the second straight month of rising prices after 53 months of annualised contraction finally ended in September.
Kathryn Bigelow and screenwriter Mark Boal have been working for a while on a drama about the 1967 police raid in Detroit, which led to one of the largest citizen uprisings in US history. Kaitlyn Dever, John Krasinski, Will Poulter, John Boyega and Jack Reynor star.
Included will be messages about smoking causing cancer and women who give the charmer a run for his money as 'little twists' have been added to make the story suitable for the modern reader.
The PPI has been negative for 44 consecutive months, reflecting excess supply of housing materials and raw materials, and overcapacity in heavy industry.

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

想知道2013年的最差工作是哪些吗?报社记者以其令人尴尬的特质,取代伐木工人成为今年的最差工作。
Oklahoma City GM Sam Presti, no stranger to deadline deals, pulled off a clean win bysending Cameron Payne, Joffrey Lauvergne and a second-round pick to Chicago in exchange for Taj Gibson and Doug McDermott.

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.

['traigl]
去年我国内地人口总数达13.7亿,与2010年进行人口普查时相比,人口数量增加了3377万,这意味着人口年增长率为0.5%。
AFI TV Programs of the Year
影片讲述了一个神秘的水生生物和莎莉霍金斯扮演的哑女之间超凡脱俗的爱情故事。

The Thai capital has bounced to the top of an annual list of the world's most popular travel destinations after spending several years in the wilderness (of second place).
在法国商学院当中,图卢兹商学院(Toulouse Business School)的进步最大,上升了14位,原因是该商学院首次进入了EMBA榜单。
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一有机会就炫一下小卷毛。
n. 硅

8) Let Me Think About That: Yeah, it sounds like a cop out. And it is…sometimes. Fact is, we don’t always have the authority or expertise to make decisions. This phrase buys you time and breathing space. Then, set a date and time for follow up so the other person knows you’re taking him serious.
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该世界大学学术排名主要考核六个客观指标,包括校友和员工赢得诺贝尔奖的数量和奖牌、高度援引研究人员的数量、发表在《自然》和《科学》期刊上的文章数量、科学引文索引收录的文章数量以及师均学术表现。

2014年1月,我在达沃斯亲身感受到了这种悲观情绪。几位著名西方学者问我中国和日本之间是否会爆发战争。我非常有信心东亚不会发生战争,以至于我提出以1赔10的赔率与西方知名记者们打赌。两位记者接受了我的赌约。今年1月回到达沃斯时,我将收取他们的赌注。
The immediacy for a larger-screen iPhone comes partially from the Asian market where Samsung’s phablets have made significant inroads. Assuming that Apple’s agreement with China Mobile includes these upcoming products, the pricing adjustments that normally occur with new iPhones could make the iPhone 5C significantly more affordable and attractive to the Chinese market. This would begin to make sense of the 5C, which so far seems to be a sales disappointment for Apple. Perhaps the important thing about the 5C is that it is not the 5S, so that down the road it can be discounted without putting price pressure on Apple’s flagship.
This so-called “playground for millionaires” is now open to everyone. The wallet-friendly hotels, guesthouses and self-catering apartments make tours affordable. With more than 100 divine islands scattered on the Indian ocean, many activities await, such as sunbathing, fishing, diving, sailing, and going on boat tours. The Seychelles islands are blessed with a warm tropical climate all year round, so you can go there whenever you want.
With an average monthly salary of 14,822 yuan five years after graduation, graduates from Tsinghua University topped the salary rankings. While graduates from 39 colleges made the 10,000-yuan list, 185 colleges saw their graduates average monthly salary top 8,000 yuan, while graduates from 789 colleges made more than 6,000 yuan a month on average.

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.

我们第一次看到安娜·莫拉莱斯(Anna Morales,杰西卡·查斯坦[Jessica Chastain]饰)的头发是在《至暴之年》(A Most Violent Year)的片头字幕里。她正对着镜子化妆。
鉴于这些公司都从未有过女性掌门人,整个咨询行业的领导层变动将尤其引起女性咨询专业人员的兴趣。咨询公司在口头上支持大企业改善领导层性别多元化的商业理由。让我们拭目以待,看看这些公司会不会践行自己推崇的观念。
It is a struggle for power contained by understandings and institutions.

是的,在具体时间问题上它们给不出答案,但定时炸弹的嘀嗒声很响、很近。“始于2013年4月份的贵金属崩盘,是全世界即将发生的情况的第一个警告信号。”
《老友记》大部分剧集拍摄之时,手机和Google都还未普及,剧中的服装和道具现在看来也有些过时,但是,剧中的主题却依旧深得现在年轻观众的心。
Frankly, this is unlikely to be ready in time for next year, but we'll include it just in case. The second film from Laszlo Nemes, who won the foreign language Oscar earlier this year for Son of Saul, is a coming-of-age drama set in Budapest just before the first world war.
Treasury Secretary Jacob Lew announced the plans for the new redesign Wednesday. Lew said the Treasury Department will launch a social media campaign dubbed "The New 10" to solicit ideas on whose portrait should be chosen for the new bill, along with a series of public meetings. He will reveal his decision sometime this year.
抵达太阳系深处的人类智慧。

The Florida Project
你要去里约看奥运会吗?你会在安卓或者iOS上装谷歌地图这个应用软件吗?我想你已经有了答案了。
No. What has been billed as the largest ever IPO is a cornerstone of de facto leader Mohammed bin Salman’s grand economic restructuring, so it must happen. Shares in Aramco will be quoted on the local stock exchange. The international element of the IPO is unlikely to be a public listing, however. Donald Trump has lobbied for New York, and London is pulling all the stops. Hong Kong and Tokyo are also under consideration. But the Saudis will opt instead for a private sale, or choose to list internationally later than anticipated.
“我试图做到的是继承他的衣钵,写一本典型的伊恩·弗莱明式的007小说。”

OfficeTeam公司的执行总监罗伯特o霍思金表示:“离职的方式会给人留下难以磨灭的印象。”确实如此。本次调查中的绝大多数(86%)人力资源经理声称,
1.《刺客聂隐娘》(The Assassin)与《疯狂的麦克斯4:狂暴之路》(Mad Max: Fury Road),并列。侯孝贤和乔治·米勒(George Miller)导演了今年最好的两部商业片,二者都应该到你能找到的最大的屏幕上去看。

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

至于维护全球贸易的自由化,这需要世界各国共同努力,因为天下是天下人的天下。
And despite exports having fallen 7.3 per cent during the same period.
上榜的12所美国学院平均而言是性别比例最为平衡的,女性学员比例为48%。
他说:“我认为在这个过程中让年轻人参与的最佳方式就是赢得比赛。”

尽管销量大幅增长让人欢欣雀跃,但它并不是汽车业今年最重大的新闻。底特律先是因为通用汽车公司(General Motors)提拔玛丽?芭拉出任汽车业首位女性首席执行官而欢欣鼓舞;紧接着,福特汽车(Ford)首席执行官艾伦?穆拉利在重回波音公司还是加入微软公司(Microsoft)两者间犹豫不决之际,它又紧张得大气都不敢喘。传统的三巨头抱怨现有产能已挖掘到极限,开始制订扩张和聘用新人的计划。特斯拉公司(Tesla)让电动汽车的销量火了一把,而且不肯按行规出牌;而同时谷歌公司(Google)则在自动汽车研制上一马当先。
《国土安全》(Homeland):第三季末布洛迪(Brody,戴米恩·路易斯[Damian Lewis]饰)最终被杀后,映时频道(Showtime)的这部间谍惊悚剧似乎走到了尽头。目前看来,第四季没了他却变得充满活力,令人喜爱。卡莉(Carrie,克莱尔·丹尼斯[Claire Danes]饰)这次的对手是美貌、狡猾的巴基斯坦情报官塔斯尼姆(Tasneem,尼姆拉特·考尔[Nimrat Kaur]饰)。

根据人社部、财政部近日联合下发的通知,企业和机关事业单位退休人员的月均养老金将在2016年的基础上上调约5.5%。
Best chances: A best film nomination looks certain. Darkest Hour's Gary Oldman is the favorite for best actor, but if anyone can beat him it's probably Chalamet.
It is the first time that EMBA-Global, the joint programme delivered by London Business School and Columbia Business School, has dropped out of the top five.
准备接收附近酒吧发布的微博广告吧
● “一男子持枪自拍时不小心把自己JJ射了”