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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.

我们坐在这里指点江山,告诉那些球队“你们没指望了,赶紧输球摆烂吧!”这是很容易的,但是我们并不是那些在为球队门票和广告殚精竭虑的家伙们。
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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

Faber laughs at Bernanke's remark that the economy would be strong enough later this year so he could take his foot off the gas, that is begin 'tapering, or scaling back it's stimulative quantitative easing (QE) program later this year.' Yes, laughed.

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

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n. 运动,活动,战役,竞选运动
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这之后,场均进球数一直在下滑。2010年南非世界杯上,这一数目跌至2.27个,仅次于1990年意大利世界杯的2.2个。
Jennifer Lawrence also took home the gong for best actress in a movie for her role in the critical darling Joy.
推进国际贸易和投资自由化便利化。
在《星球大战:原力觉醒》后,迪士尼影业和卢卡斯影业承诺每年冬天推出一部星球大战系列电影,都将围绕原来的主题展开。

200911/88512.shtmlA 1936 Nobel Peace Prize discovered at a South American pawn shop has been sold at auction in Baltimore for $1.16 million.
The official prize citation said the two were awarded for "the theory of stable allocations and the practice of market design."
教育行业基本上还未受到在线服务交付的影响——但可能会在2018年经历戏剧性的变化。
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IE’s online MBA consistently attracts high-calibre students. Half of IE’s alumni were senior managers when they enrolled, the highest proportion among ranked schools at that stage. Three years after graduation they were earning the highest average salary at $179,000, about $30,000 more than the next highest earners — alumni from Olin Graduate School of Business at Babson College.

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

但尽管安全研究人员不断发出警告,很多人仍在给个人设备设置安全等级弱、容易被破解的密码。
But that recovery has also seen the size of bonuses drop: last year the average payout was Rmb12,821 ($1,861), about Rmb2,000 more than in 2015 but still roughly Rmb800 below the 2014 average. More than a quarter of those surveyed who saw their bonus shrink last year blamed the decrease on poor company performance.

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.

In 2011, some seven years after the last season of Friends, over 36 million tuned into Comedy Central, a US satellite TV channel, to watch the show. The main demographic for this channel is 16 to 34 year olds, and viewing figures spiked during holidays, when extra episodes are also shown.
The world is casting its eye on Brazil for hosting two of the most coveted sporting events — the 2014 FIFA World Cup and the Summer Olympics two years after. Except for watching exciting games and cheering for your favorite team and players, you can also take a trip to “the lungs of the earth”, the Amazon forest, to escape the crowds and embrace nature. Either way, Brazil is sure to leave you with an unforgettable memory.
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Jose's mother Inma Quesada told the El Pais daily that her son "wanted to buy instruments" for his band Los Salerosos (loosely translated as "The Salties"), in which he plays the trumpet.
莱昂纳多·迪卡普里奥和嘎嘎小姐在今年金球奖拔得头筹。
房地产经纪公司莱坊(Knight Frank)的数据显示,今年第一季度,香港豪宅租金同比下跌5.2%,跌幅超过内罗毕以外的任何其他城市。就在去年9月价格下跌之后,运动品牌阿迪达斯(Adidas)在香港租入了一间1.3万平方英尺的店铺,租金相比上一个租户、配饰品牌蔻驰(Coach)低了22%。

We were all going direct to Heaven, we were all going direct the other way
v. 撤退,向后倾

Managers are expected to manage the people below them on the corporate hierarchy, but the best managers also have ways of managing their superiors and coworkers on behalf of their team. Many times this means effective communication, managing expectations, and requesting help in a timely manner。
5.你午饭谈了四个小时那么久或者有太多的牙医预约。
教育行业基本上还未受到在线服务交付的影响——但可能会在2018年经历戏剧性的变化。

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愿快乐幸福永伴你左右。
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源于:relax(v 放松;休息)

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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David said: ‘It was wonderful, you couldn’t fault it. It was perfection.’
平板电脑的病毒出现。

Oops. Better luck in 2015, everybody.
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awkward
骑行背带
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The 'Divergent' Star Shailene Woodley top the list of most beautiful women of 2015. The young Hollywood star found breakthrough success in The Descendants (2011). She was considered one of the “55 Faces of the Future” by Nylon Magazine's Young Hollywood Issue.
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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

6. 制定计划。
《宿敌:贝蒂和琼》
1、阅兵仪式
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We must make dedicated efforts to deliver services to the people, resolve the difficulties they face, promote social equity and justice, and demonstrate that development does better people’s lives.
A Times reporter, Denise Grady, went inside an operating room to observe an experimental technique to treat severe spina bifida in a 24-week-old fetus. The doctors performing the surgery hope it will result in superior outcomes for children born with the disorder. Their first 28 surgeries have seen good results so far. Jan. 14 is the due date for the mother who was the subject of the article.

据预测,在大宗商品价格上涨和需求温和上升的推动下,2017年以美元计的新兴市场国家出口额将出现自2014年以来的首次增长。
I wonder why LeBron James doesn't wear those weird things on his biceps and shoulder anymore. Well, actually I bet he doesn't wear them because they're useless.
据中国与全球化研究中心秘书长苗绿表示,因为中国正大力参与全球合作,因此中国正试图吸引更多具有国际背景的学生。
分析师们认为,这次新机发布将有助于苹果克服过去两年的增长问题。在像美国和欧洲这样的市场上,智能手机的拥有量已趋近饱和,很多客户不再频繁更换现有手机,推动更快收入增长的最佳途径就是提高单位价格,而不是单纯地依靠出货量。
4. 学会自我推销。