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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.

例如比利时,它的人口不到小组赛对手俄罗斯的1/10,但被认为是一个巨大的威胁。而乌拉圭尽管人口还不到400万——仅仅是大圣保罗人口的1/6——却是巴西在通往决赛之路上最不想碰到的球队之一。为何如此呢?
“You can choose to spend the time however you like,” he wrote, suggesting people “go travelling, pursue a philanthropic project, spend quality time with family or simply take time out to recharge and refocus”.

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

这是自从2001年来第一次由一名既不是小梅瑟威、也不是泰格·伍兹的运动员,荣登收入榜第一名。

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

2012年,谷歌发明了谷歌眼镜,一台你能戴在你脸上的电脑。在街上行走或者进行每天的任务的时候戴着它,可以同步看一些覆盖在眼镜上的日程会议,短信及地铁警戒等信息。戴着它行走的时候,可以用它们打视频电话,甚至把直播视频上传到网络,这一切都不需要动手。谷歌眼镜可能挺酷的,挺新颖,还有创新性,但是它绝对不是第一副可佩戴的电脑眼镜。

In a vote by Sina Weibo,China's Twitter-like website, 58.5 percent of people "liked" the ink painting version of the monkey, only 14.4 percent like the front view of the 3D version, while 12.5 percent want to "change its clothes", supposedly meaning they don't like the colors.
作为本田的高端品牌,讴歌去年共售出167,843辆,同比微增1.5%。而在美国这一备受豪华车品牌青睐的市场上,丰田的高端品牌雷克萨斯销量增幅为13.7%,宝马增幅为9.8%,奥迪增幅为15.2%,梅赛德斯-奔驰增幅为6.5%。
库克决定通过增加派息和回购股票扩大其现金返还计划,帮助缓和了与维权投资者的关系。目前它总共向股东返还现金940亿美元。最终,库克以足够的坚忍抵挡住挑战,迎来了iPhone又一波增长捷报,以及从乔纳森?艾夫爵士(Sir Jonathan Ive)的设计室诞生的新产品。
《北美自由贸易协定》(Nafta)的大戏
Essentially this reform will help the government to focus on performing its due role more effectively instead of overreaching itself, because that will only tie down our businesses, cut government’s efficiencies and even public credibility.
Financial success and dazzling new technology alone might have been enough to earn Apple’s steely chief executive the FT’s vote as the 2014 Person of the Year, but Mr Cook’s brave exposition of his values also sets him apart.

每个句子后面有5个数字,选择最能反映你的感受的数字。
Rank: 5
3.4 以创新引领实体经济转型升级
直到最近,Weill Cornell Medical College的科学家们至少在老鼠和猴子身上实现了这一点。这种人造视网膜,它的芯片可以将画面转换为电子信号,而它的微型投影机可以将电子信号转化为投影光线。

Other engines cited among 2014’s best include turbodiesels in the BMW 5 Series luxury sedan and the compact Chevrolet Cruze, the horizontally opposed 2.7-liter six-cylinder in the Porsche Cayman two-seat sports coupe and the 1.8-liter turbo-four in the compact Volkswagen Jetta sedan.
当她的妈妈来到学校整理她的遗体时,其他的同学把自己的名字和电话号码给了这个悲伤的女人,要求她联系自己的父母,让他们脱离这个网瘾训练营。网瘾训练营其中一种实践方法就是限制学生与外界接触。它是通过基于恐惧的培训方式和严苟的纪律来“纠正”学生行为的。
王春法说,在出版前应加强审查和评估。
开发商:Remedy Entertainment、Microsoft Studios

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

'He does smoke cigarettes, he smokes many, many cigarettes.
伞上的链子可以系在狗狗的项圈或背带上。

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.

China's economic performance in the past few years should suffice to put predictions of a hard landing to a full stop. China's economy will continue to enjoy medium-high growth and be upgraded to higher levels
This is the biggest question hanging over the global economy. And the biggest risk.
The fastest-rising sector is apparel, driven by Nike in sportswear as people pay more attention to health and fitness, and Zara, whose fast fashion is becoming increasingly popular in China.
OUTDOOR SPACE: The property is just shy of an acre and a half.

2011年在达洛伊西奥15岁时,他就曾获得来自李嘉诚的种子投资。一年之后Summy发布,并在短短一个月内吸引了500,000名用户,在28个国家登上了新款应用软件热度榜的首位。对于一个连高中都还没毕业的人来说,雅虎的收购可谓意义深远。不过,达洛伊西奥的过人之处可不只是技术知识丰富这一点。在他连胡子都不用刮的时候,他就强烈向往、渴望著有朝一日能在科技领域做出一番大的成就。不仅要创新,还要有所成就,当然,还要大把赚钱。
v. 投,掷,抛,铸造,丢弃,指定演员,加起来,投射(目
She suffered anorexia while in an abusive relationship after she arrived in Los Angeles.

进口价值的增长是在强势美元推高进口商成本的情况下实现的。11月份以人民币计算的进口增长幅度则为同比增长13%,反映了人民币的相对弱势。
中国股市的跌势仍在继续,现在“红线”已触,一切都提早结束了。

n. 扩大,膨胀,扩充
9. The Chinese militarywill demand and receive vastly expanded investments in the form of advancedaircraft and ships.
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Repurchasing shares helps boost stock prices and many analysts credit the boom in stock repurchases for pushing the Standard & Poor's 500 index to record highs.
我祖母最喜欢的一首诗是威廉o埃内斯特o亨利的《不可征服》(Invictus)。我父亲把这首诗挂在厨房墙壁上,所以在成长过程中,我每天都会读到它:“我,是我命运的主宰。我,是我灵魂的统帅。”我能为每个人,特别是初入职场者提供的最好建议,就是欣然接受你作为命运主宰的角色。当机会出现时,抓住机会并敢于说“Yes!”
London Business School has topped the European table for the third year running — but continental rivals lead the European schools in the individual rankings used to compile it.
5)我支持你:我们都犯过大错误。此时,不要回避,要对对方说一些肯定的话语:“我不是在说你不行。你会度过这个难关的。你不是一个人在战斗。我们将一起解决此事。一切都会没事的。”

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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Islands in China come with many restrictions on their use and just 50 years of ownership.
输家:国王

*最佳综艺导演:瑞安?麦克福(Ryan McFaul),《艾米?舒莫的内心世界》(Inside Amy Schumer)
勇士卫冕几乎板上钉钉
In P2P lending, borrowers are matched with investors, who are encouraged to put their money into the loans due to higher returns than they could get at state banks.
坦率地讲,这种行为意味着你还只是一个小女孩,还算不上女人。
8.A New iPhone

那么2015年最好的职业是什么?保险精算师高居榜首,他们是分析财务风险方面的专业人员。
美国的排放量在经过了最近几年的持续下降后,提高了2.9%。
It is the thirdhighest overall behind the two Indian management academies at Ahmedabad and Bangalore, with respective salaries of $109,000 and $106,000.
●"Pope Francis Shocks World, Endorses Donald Trump for President, Releases Statement"

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.
马特达蒙凭借他在《火星救援》中扮演的被困宇航员一角而荣获喜剧类最佳男主角奖项。

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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众所周知,中国国家主席习近平也是一个足球迷,他曾多次表达了自己对中国足球发展的支持。
人社部下属的社会保障研究所的所长金维刚称,鉴于居民消费价格指数低于预期、工资和GDP涨幅也有所放缓,所以今年上调5.5%这一数字是合理的。
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n. 石油
对于像费城、凤凰城和布鲁克林这样的烂队而言,另一个问题在于他们很难笼络到好的球队拼图。

n. 董事,经理,主管,指导者,导演
Here are five things consumers and investors can count on (probably) in 2015:
Be Original
净利差——即贷款和存款的利率之差——在降低,因为中国撤销了对存款利率的剩余管制。2015年,中国银行业平均利差下降约46个基点,至2.54%。
不过现在,她已经开始利用自己童话公主一般的面容做慈善事业了,她会装扮成童话角色的样子,为孩子们演出,为癌症患儿的家长加油鼓劲。