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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.

Despite car and truck sales that motored past 16 million for the first time since 2007, recalls dominated the news for most of the year. General Motors GM 1.42% held center stage, dealing with cascading revelations about faulty ignition switches and recalling millions of vehicles. While GM opted for something approaching full disclosure of its missteps , publishing an report into company-wide fumbles, Japanese airbag maker Tanaka chose to stonewall. It left any remedies up to its beleaguered customers, notably Honda and Toyota. They are the ones who deal with the fallout of exploding safety devices that fatally fired shrapnel throughout the passenger compartment.
2016年上榜的全球十亿美元级富豪共计1810名,位居次席的是Zara创始人阿曼西奥·奥特加,商界巨擘沃伦·巴菲特紧随其后,埃卢则是位居本榜单的第四名。

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

美国哥伦比亚大学地球研究所周一发布的《2013全球幸福指数报告》显示,那些追寻快乐和幸福的人应该到北欧去,但得避开埃及以及那些受到欧元危机影响的国家。

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

10. 迪皮卡-帕度柯妮 1000万美元

单词pandemic 联想记忆:
adj. 准确的,精确的
n. 舞厅
Total shipments of cellphones reached 560 million in 2016, up 8% year on year, the report showed.
Here are the 10 winners of the 2012 Ig Nobel Prizes given to scientists, writers, and peacemakers who make silly but thoughtful contributions to the world, or as the Annals of Improbable Research puts it, "first make people laugh, and then make them think." I can vouch for them making us laugh!
3.The End of the One-Child Policy

The artefact which has a flat base was found inside an ancient tomb in the Xuyi County in western Jiangsu in 2009. It has been kept at the Nanjing Museum the capital of Jiangsu Province.
蕾哈娜在榜单上排名第二,获得亚军,《男人装》表示:在这12个月以来,她真是无处不在,但是我们依然没有对她审美疲劳。
flimsy
史赛克公司(Stryker)的创始人就是“翻身床”的发明者,借助这个设备,卧床的病人无需挪动身体就能改变在病床上的位置。顺其自然地,这家医疗设备制造商也向自家员工及其家属出借医疗床,分毫不收。

乔布斯在苹果博览会上手持iPhone ,2007年,1月9日,旧金山
有些模子对人体危险?
10. China watchers inthe United States will continue to postulate China’s declining growth rate inthe face of evidence that it is stable at over 7%. China will grow fasterin 2014 than in 2013.
Shanghai Pudong International Airport reported the lowest punctuality rate last year. Only 52.4% of flights took off on time, with delays averaging 48 minutes.

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

4. Fiat. Brand love: -7% / Rank: 85
你是否经常闷闷不乐、心情不好?

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.

The Post
We learned that animals may make choices based on aesthetics.
凯洛格与香港科技大学的EMBA项目从2009年至2014年一直位居该排行榜榜首,但2014年输给Trium项目,2015年又败给清华大学(Tsinghua)与欧洲工商管理学院(Insead University)合办的EMBA项目。
Remedy: The tricky aspect of this regret is that it’s typically rooted in hindsight. Only after you’ve left the job and have moved on to something better, do you start beating yourself up for not making the leap sooner, even if it hadn’t been practical or possible. What you can do is to identify the factors that kept you in your former position as red flags to be aware of in the future and work to line up supports that will allow you to more quickly capitalize on other opportunities as they may present themselves. This could include reviewing and updating your resume with new accomplishments on a monthly or quarterly basis, keeping your LinkedIn account current, building up a contingency fund to allow you to feel less tethered to your current pay check and staying in the loop on industry news and gossip to be aware of where your skills and experience could be of value.

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。
Thank you to Aicha Nezzar for sharing this gem on the Facebook Group- Global English Forum.
Meme-sharing Facebook groups have become a new college tradition, Mic reported last week, with students across the country trading inside jokes and fighting battles with rival universities via screenshot and caption.

With best wishes for a happy New Year!
Consumers in many parts of the world have a preference for buying local which has helped boost the value of local brands.

"People didn't just search for the players and the teams. It was a cultural learning experience. It was the first World Cup in Africa, and people wanted to learn about post-Apartheid South Africa," she said. "People also wanted to find out what that noise was -- the vuvuzelas."
但事实上,作为一项新技术以及新运动,比特币在2014年表现出了猛烈的势头,而且在新的一年有望征服更多怀疑论者。诸多领域的指标证明了这一点:与比特币相关的初创企业和就业岗位数量大增;接受比特币的机构数量也大大增加;开发人员间的活动也较此前增强。
在我们有别于从前的失常状态中,她用所需要的一切使人们联想到生活的失重感。“这是一个时代的终结吗?这是美国的末日吗?”她在《When the World Was at War We Kept Dancing》(《当世界陷入战争之中,我们要继续跳舞》)这首歌中吟唱着。“不,这只是开始。”

They say that it is especially risky to use the same password for entertainment sites as for email and social networking accounts.
一封投递给美国某位大学生的、来自于其曾经的未婚妻的情书现在终于上路了,虽然这封情书写于1958年,整整迟了53年。
迄今为止,Bigcommerce同名技术的吸引力就在于其简单性,以及与商户同步成长的能力。史蒂夫o凯斯说,“对于一些人来说,成败即系于此。”凯斯以公司董事的身份为Bigcommerce提供美国创业趋势方面的建议。“就在五年前,如果要打造一家有吸引力的网店,你需要花费几十万美元。如今,几个小时就可以搞定,每月成本还不到100美元。”
Album of the year: "Chief," Eric Church

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.

Everybody has heard by now that health care companies are promising hunting grounds for job seekers, and the New Year will see hiring perk up elsewhere, too.
9.消防员
全部或者大多数政府部门将会迁移,行政大楼计划将在2017年建成。

The scientists’ analysis comes only a month after nearly 200 governments struck a new climate agreement in Paris that aims to stop global temperatures from rising more than 2C from pre-industrial levels, and ideally limit warming to 1.5C.
The approach has in some cases moved from the political fringes into the mainstream. Some leaders from Britain’s center-right, governing Conservative Party, for example, helped push a British exit, and since the referendum the new Conservative prime minister, Theresa May, has signaled sympathy with white identity politics.
When Dickens wrote about the French Revolution in A Tale of Two Cities, he did it with nearly a century of hindsight. Here, at the end of December, I don’t enjoy that luxury. As such, some of the trends I’ve written here are likely to remain in force for the foreseeable future, while others may have already begun to fade. As one of this period’s “noisiest authorities,” I insist only on your receiving this review with just one caveat in mind: Past performance does not guarantee future results.
那些具有3年驾驶经历,无重大交通事故、危险驾驶、吸毒、酒驾记录的司机将可参加网约车考试。
Turkey’s president ratcheted up his diplomatic row with the Netherlands on Tuesday, claiming the country had a “rotten character” and blaming Dutch troops for the worst massacre in Europe since the second world war.

But I expect other banks to follow suit. Any effort to keep good people fresh and engaged, without paying them more, should be up for consideration.
新兴市场需求减弱使2015年成为全球金融危机爆发以来世界贸易最糟糕的一年,凸显出对于全球经济健康的担忧加深。
Do you tend to hide your feelings from others?
The show started with a circus theme, complete with acrobats, a sword-swallower and a man on stilts. Justin Bieber, Rihanna and Bruno Mars performed.

2016年,中国电影票房经历了一次令人震惊的调整,从2015年的48%大幅下降到3.7%。
这些正在修建一座足球场的工人在巴格达东北部什叶派穆斯林聚居的哈比比亚城区被绑架。

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

Recipient: Canadian Prime Minister Justin Trudeau
这些新数据是由一个叫做全球碳计划(Global Carbon Project)的追踪项目提交的,发表在了期刊《自然·地球科学》(Nature Geoscience)上。数据公布之际,正是联合国(United Nations)一次峰会召开前夕。此次峰会意在激发新的政治愿望来解决气候变化问题。科学家说,这些数据表明,如果要把长期的全球变暖问题控制在可以承受的范围内,还需要做出极大的努力。
The school is also second for its international course experience. More than four in five of its latest graduating cohort went on an internship abroad and over half studied in another country for more than a month.
该协会的首席经济学家Lawrence Yun预计,到今年年底,30年期固息抵押贷款的平均利率将触及5.5%,高于去年底的4.5%和去年上半年的3.5%。抵押贷款利率在短期内如此急剧上升,可能会损害购房者的承受能力,甚至吓退更多购房者。

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
Traditionally Chinese universities scored less well in international ranking tables compared to US and European incumbents in levels of teaching and research.

林怡仲预测道,下半年A股IPO的数量或将维持与上半年相当,预计2016年全年A股IPO为120宗左右,融资规模在600-800亿元人民币左右。
梦工厂:内部消费券
Justin Bieber was the big winner of the evening at the American Music Awards last night, taking home four accolades including Favorite Pop/Rock Male Artist, Fa
In addition to the overall ranking, US News also offers region-, country- and subject-specific rankings, to allow for more tailored searching.
Many investors, it turns out, are siding with Mr Cook. After a tumultuous 2013, the share price has increased by around 50 per cent since that shareholder meeting, at one point taking its market capitalisation above $700bn.