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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.

美国当地时间3月23日,由尼克森电视台举办的第26届儿童选择奖颁奖礼在加州洛杉矶的南加大体育中心举行。好莱坞女星克里斯汀·斯图尔特身着蓝色连体裤出席,大秀美腿。在颁奖典礼上斯图尔特先是凭借着《暮色》系列终结篇《破晓(下)》摘得了最受欢迎电影女演员奖。之后又再次凭借电影《白雪公主与猎人》夺得了最受欢迎女动作影星的宝座,成为了本次颁奖礼上唯一一个独揽双奖的明星。当颁奖嘉宾宣布斯图尔特获奖时,她从座位上站起前往领奖台,一路上被孩子们“围攻”以致差点摔倒。由此可见孩子们对这位女星的喜爱程度了。
欧文的原型叫梅尔·温伯格,事实上,他和情妇被联邦调查局征募,让8名特定官员因受贿被免了职。和电影里一样,温伯格和联邦调查局精心设计骗局,抓了这些腐败政治家现行。温伯格后来真的和一名官员成了朋友,但与电影不同,他的最终豁免协议没有让他想帮助的朋友免受牵连。有些事情,即使是对职业罪犯来说也太过牵强。

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

“还有大批人没有统计进来,”胡润对英国《金融时报》表示,“两周前我在北京拜访了这家投资公司。一下午的时间,我就发掘出了30个登上今年富豪榜的人。他们去年还不在我们的视线内。”

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

继在电影《007:大破天幕杀机》中,和丹尼尔·克雷格(Daniel Craig)演对手戏,饰演神秘的塞芙琳(Severine)一角后,这名法国女星第二次挑战以英语为主要语言的角色。虽然电影《007:大破天幕杀机》在北美洲的公映时间是11月9号,但它已经在国际范围内开始向票房纪录发起进攻。

在这部暑期大片上映40年后,约翰·威廉姆斯的经典原声大碟仍然叫人毛骨悚然。《大白鲨》利用我们对未知的深海的本能恐惧,展示了一个多次受到同一条食人鲨袭击的海滨小镇。近年来,环保人士强调,鲨鱼通常不主动伤人,平均每年只有8人葬身鲨口。
以丹麦为例,如今,88%的丹麦人口都是白人——这样的多数地位很难动摇。但在1980年,也就是上一代人的时候,丹麦有97%的人口是白人。反移民的丹麦人民党(Danish People’s Party)现在是丹麦议会中的第二大党。在德国,从2011年到2015年间,非本土出生人口激增了大约75%,反移民的民粹政党德国另类选择党(Alternative for Germany)如今获得了破纪录的支持率。
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Countrywide, month-on-month prices rose in 59 out of 70 cities last month – down from 62 – were unchanged in four and fell in eleven. Cities where prices fell from the previous month included Shenzhen (down 0.3 per cent), Hangzhou (down 0.4 per cent) and Xiamen (down 0.2 per cent).
The high school version of Howard isn't nearly as intimidating as the new one. Just goes to show how much ridiculous hard work goes into becoming an NBA All-Star.
卓越雇主排名:68

6. Will we witness another global epidemic in 2010?
12月工业利润下滑突显出中国工业面临的产能过剩和价格下跌的困扰,这加大了中国政府放松货币政策并扩大基础设施支出,以缓和经济放缓影响的压力。
据《外交政策》网站报道,在通往世界杯奖杯的漫漫征程中,比利时和乌拉圭是夺冠热门球队希望避开的两座冰山。在今年的世界杯赛场上,尽管比利时和乌拉圭都是不起眼的小角色,但它们有能力让比盲目自信的对手喝上一壶。虽然它们是历史上的小国,地缘政治上的出气筒,但很明显,他们在足球场上仍然极具竞争力。
动物会根据美感做出选择。

Fifty-two colleges and universities across 11 provinces in China are equipped with vending machines that sell AIDS detection reagent for students to conduct self-examinations.
201401/271211.shtmlThe worst password of 2013 is '123456' according to new research.
这条新闻可能对经常坐飞机环球旅行的旅客们并不稀奇,新加坡的机场再一次做到了。
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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

中国政策制定者的任何开始减持国内巨额储备的决定,都将对市场产生巨大影响。
Buyers and Sellers

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,这对2015年的油价意味着什么呢?人们对此各执己见。然而,今后12个月的油价走势将由下列五大因素(排名不分先后)决定。
我们在中高速行进当中也会系紧安全带,不会让风险“急性发作”,更不会发生区域性或者系统性的风险。
女士们,我们都接到这样的警告,你将会如何回复呢?
《琅琊榜》

她向BBC透露称:“他们看到了一些非常可怕的事情,但是他们将在很长一段时间内继续接触这类事情。”
节目13 歌曲《嫦娥》,李玉刚 景海鹏 刘旺 刘洋
不过,中国的手机制造商却在2016年实现了崛起。华为出货量同比增长了30.2%,达到了1.393亿台,再次排在全球第三。

凯投宏观(Capital Economics)中国经济学家朱利安?埃文斯-普里查德(Julian Evans-Pritchard)评论道:“结果是,上个月中国的贸易看起来惊人强劲。在全球需求强劲的背景下,我们预期未来数月出口还将继续表现良好。”
The Peoria, Ill.-based maker of heavy equipment authorized $10 billion in stock repurchases in January and expected to buy back $1.7 billion of its shares in the first quarter this year to complete its previous $7.5 billion repurchase initiative. The ongoing buybacks are "a result of our record cash flow," said CEO Doug Oberhelman.

3. "The Walking Dead" (3.6 million)
Mr. Murray came to her with a full beard, so she was able to shape it into the thick, bushy mustache pictured here. “Bill has never worn that look before,” Ms. Hannon said, “so it was lovely to get something new.”
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.

8. How to dip dye hair
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If the user set up a truthful answer, according to statistics provided by the researchers, in 19.7% of the cases, an attacker would need a single try to guess the correct answer to the question "What is your favorite food?" in the case of American users.
出演《美国队长3:英雄决裂》的斯嘉丽-约翰逊排名第三,收入为2500万美元,比去年下降了近30%。

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.

Best Companies rank: 12
一家贷款给农业企业的大型银行称,中国对棉花和糖等原材料官方储备的处置,将成为影响2017年大宗农产品走势的一个关键因素。
那么,于汽车业而言,2015年又意味着什么?以下是一些有根据的猜测。

5. Broadcaster
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赫洛维兹承认,他这样做时不得不小心翼翼,以保存这部间谍小说的首位作者伊恩·弗莱明(Ian Fleming)所创造的007的个性和态度。弗莱明于1964年逝世。
Martial art “China Youth”(Zhao Wenzhuo and friends)
Neshama Spielman, from Jerusalem, found the artifact four years ago at a dig organized by the City of David and the Temple Mount Sifting Project, which works to examine tons of dirt removed without archaeological supervision from the Temple Mount by the Muslim Waqf. Details of the find and its identification, however, have only now been revealed. Spielman, who is aged 12, was just 8 when she made the find.

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肠道细菌正以我们想像不到的方式干扰着我们。新的研究指出,像帕金森综合症等神经退行性疾病实际上可能始于肠道,而不是大脑。越来越多的证据显示,慢性疲劳综合征可能要归咎于人体内的微生物群系。随着肠道细菌显示出控制食欲以及改变大脑结构的迹象,而且有引起大脑损伤而导致中风的表现,我们的这个小过客(肠道细菌)有着不容忽视的力量。
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经济学人智库全球生活成本指数发现,亚洲和澳大利亚共有11个城市跻身全球最贵20城市之列,其余有8个是欧洲城市,一个为南美城市。北美没有一个城市进入前20名。

汤姆汉克斯和梅丽尔斯特里普出演,史蒂文斯皮尔伯格执导,这样一个为新闻自由而战的历史故事,有很多让评委刮目相看的地方。
《广告狂人》对时装的影响体现在品牌的发展当中,例如香蕉共和国(Banana Republic)就推出了《广告狂人》系列(这个系列是与该剧的服装主管贾妮·布赖恩特[Janie Bryant]联合设计的),而且很多心照不宣的地方在设计中更加随处可见:裁剪和印花,褶边和接缝;它的影响渗入了在秀台上普遍存在的一种鲜明理念:如果你缺乏灵感或者产生了审美怀疑,就去回顾60年代吧。

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

Meanwhile, celebrated American rapper Eminem proved to be the comeback king as he picked up the Best Hip Hop gong. The Lose Yourself hitmaker was up against the newer faces of hip hop, including Drake, Future, Kendrick Lamar and Post Malone.
transport
China will continue to improve market environment and tap consumption potential while developing complementary cross-border industrial and value chain with countries along the Belt and Road Initiative in the next five years, according to Gao.
Deadpool will release on February 12, 2016 and it looks like it's going to be a hilarious movie. Oh yes, there's going to be plenty of action and killing as well.

8月12日,港口城市天津的一座非法储存危险化学品的仓库发生一连串爆炸,导致173人死亡,数百人受伤,造成的破坏景象仿佛末日来袭。此次爆炸事件提出了有关中国在快速工业化进程中安全监管松懈的严肃问题。
随着经济增长放缓,中国政策制定者对银行放贷速度越来越担心。中国银行业监管机构的数据显示,去年中国银行业资产规模增加了逾72万亿元人民币(合11万亿美元)。

And now for the companies that lost the most love ...
The Warriors are one of the best teams in NBA history, and you can put their championship run up against any team in NBA history for the best playoff performance ever. But there's also a legitimate question of what this means for the sport. If the best or second-best player of all time stands no chance against this team, what does it mean for the sport's competitiveness? It hasn't been a problem so far, thanks to an extremely wild offseason, but the question remains: what happens to a competitive sports league when it's not truly competitive at the highest level?
In the wake of the Fitbit and Google’s GOOG 0.26% Glass, a flurry of companies has flooded the market with iterations of sensor-laden armbands, apparel, and eyewear. It’s a buzzy category, but early adopters seem to be waiting for a moment when they are no longerthat guy. (You know. The “Glasshole.”)
●Van Full Of Illegals Shows Up To Vote Clinton At SIX Polling Places, Still Think Voter Fraud Is A Myth?
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