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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.

春运是中国在农历春节前后发生的一种大规模的高交通运输压力的现象,尤其是火车运输方面的压力。
贸易往来令中国该月贸易顺差达到408.2亿美元,比预期低大约72亿美元,也比11月份修正后442.3亿美元的水平(修正前该数字为446.1亿美元)低了36亿美元左右。以人民币计的这一顺差则为2754亿元人民币。

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

“有个人在Facebook上公开辞职。”

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

这是英国《金融时报》第16份全球EMBA排行榜。

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清华大学是国内表现最好的大学,有三项学科的排名进入全球前10。北京大学则是有两项学科排名挤入前十。就清华大学而言,建筑/建成环境和土木/结构工程学均排名第8,材料科学排名第10。
除了作为微信核心的私聊和群卿功能之外,用户还可以通过“漂流瓶”功能寻找新的好友,具体方法是录制一段信息装在虚拟的“瓶子”里扔出去,等陌生人捡起来回复。“查看附近的人”功能与一些手机交友应用相似,用户通过它可以浏览附近其他用户的资料。另外还有一个名叫“朋友圈”的功能,用户通过它可以将相册公开分享给好友群,跟照片分享应用Instagram很像。
n. 社交聚会
Criminal gangs have been difficult to catch, however, because illegal meats are often hidden among other produce such as fruit and vegetables, and lorry drivers are often bribed to deny any knowledge of it.
根据电影监管机构数据显示,中国电影票房销售额在去年同比了增长48.7%

单词circulate 联想记忆:
苹果(Apple)正面临着市值跳水的窘境,苹果股价从去年9月至今已下跌了35%。众多卖方分析师纷纷献计献策,现在甚至有人建议苹果推出廉价iPhone。摩根士丹利(Morgan Stanley)公司的凯蒂?休伯蒂对中国这一全球最大的智能手机市场进行了分析,并给大家算了一笔账。
3. oDesk&Elance
全国工商联汽车经销商会数据显示,自2014年进口现代中国经销商网络已经缩减了一半。

然而,在毕业3年后,担任部门负责人或以上级别职位的女性(59%)显著少于男性(68%)。
Company: Everyone Counts
4. 2012年搞笑诺贝尔奖之神经科学奖
Wang Jianlin, the entertainment mogul behind a series of high-profile acquisitions in Hollywood, and internet tycoon Jack Ma retained their spots at the top of the list, with fortunes of $32.1bn and $30.6bn respectively.

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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The pickup in consumption in turn will entice businesses to hire and invest more to keep up with rising sales. The result: The U.S. is likely to grow more than 3% for the first time since 2005.

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.

He was under the impression people clicking on the adverts would earn him money. But instead he was charged every time someone clicked on the link.
单词figure 联想记忆:
BEIJING: A group of Hyundai Motor Co dealers in China is seeking 800 million-900 million yuan ($120 million-135 million) in compensation from the South Korean automaker, saying Hyundai has cut the flow of models it exports to them, resulting in dealership losses and closures.
Phil Baty, editor of the rankings, said: "it seems that China's relentless march up the global league tables has stalled, after making major gains in recent years. This new data shows just how hard it is for emerging powers to break into the traditional global elite."

圣加伦大学校友在毕业3年后的平均年薪增至10.2万美元,去年这个数字为9万美元。
她的亲妹妹莱克西经常装扮成电影中艾丽莎的妹妹、安娜公主,和姐姐一起同台演出,当莱克西抽不出时间的时候,她的好朋友们也会来帮忙。
I empathize with the Mavs' position. It's tough to tell your fans that all hope is lost in November, and it's especially tough when you've got a Hall of Famer still on your roster.

In my country, we make so much waste, we buy and throw away, buy and throw away, and yet northern countries will not share with the needy. Even when we have more than enough, we are afraid to lose some of our wealth, afraid to share. 在我的祖国,我们制造了如此之多的垃圾,我们购买商品,我们随之丢弃,买来,再丢弃。然而有些国家,有些人,却不会分享给那些真正需要的人们,甚至他们拥有的远远超过自身需要的时候。他们害怕分享,害怕失去自己的财富。
Although Facebook is blocked in China, Tencent has linked WeChat to Facebook, which means that users outside of China can use the service in conjunction with the world's most popular social network. That is a boon for WeChat in Southeast Asian countries like Indonesia, Thailand and the Philippines, which have large numbers of Facebook users. Tencent has offered WeChat in languages for all three markets.

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野村证券驻首尔策略师Michael Na表示:“这可能只是个开始。要惩罚韩国企业,他们有如此多的选项。”

The regulator said that “faced with a complex and volatile market environment,” funds had realised gains of only Rmb294.5bn in the first half, a drop of 42.3 per cent.
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如果你很卖命的工作并且给公司创造了价值,你本应该得到酬谢。如果你的老板在两年之内没有给你涨薪水,去申请吧。如果老板不同意,还考虑什么,走吧。
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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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自此之后,中国每年都会发布以12生肖属相为主题的农历新年纪念邮票。
杜阿·里帕《杜阿·里帕》

Economists had forecast a 1.5 per cent annual rate, after a 1.6 per cent reading in September. Beijing's inflation target is "around 3 per cent" this year.
Growth in the key sectors driving China’s economy softened last month, according to official gauges tracking activity at manufacturing, services and construction businesses.
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In this Jan. 15, 2008, file photo, Apple CEO Steve Jobs holds up the new MacBook Air after giving the keynote address at the Apple MacWorld Conference in San Francisco
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再来看一下流失顾客的公司吧。
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3. oDesk&Elance
以下四个因素应该会对2013年的就业复苏起到推动作用:[qh]

或许,你能让高中版的韦德停下脚步,但是,当韦德长到6尺4寸时,他变得无法阻挡。
Such insights are of particular interest to litigation funders, who back claimants in return for a cut of damages and who try to assess the likely outcomes of disputes before committing their money. But that may have to be 2019’s breakthrough, or probably beyond.

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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输家:国王
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China's pension insurance balance of urban employees and urban and rural residents added up to four trillion, according to the Annual Report on Social Security Development 2015.
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公司:The Grommet公司
美国的麻省理工斯隆管理学院(MIT Sloan School of Management)位居第五,从而阻止了法国商学院囊括前五名。
re回+spond承诺→承诺回去;respond的名词→回答;答应
这份工作排名的依据分别是:收入、职业前景、工作环境、工作压力和体能需求等,大部分数据来自美国劳工部统计局。