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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.

斯威夫特今年也收获颇丰,以8千万位居第二。在1989(2014年排名第一的专辑,卖出超过3.6百万份)的发行超过一年后,通过斯科特.伊斯特伍德拍摄的MV,她的最新单曲“最疯狂的梦”一跃成为排行榜第一位。但这只是起始,她的史诗1989世界巡回演唱会最终使她极近收入最高女星榜首。
She told The Telegraph: 'I don't feel that normal any more because I get recognised, even when I'm just trying to have fun or going to get ice cream with my friends.

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

布兰妮,你在《放荡女性》节目中吧唧着嘴嚼口香糖的样子快把我逼疯了,那样子就和你在1998年被审问时一个模样。

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

随着他不断运用网络来搜集知识,达洛伊西奥意识到,他急需一个能让他快速确定文章阅读价值的方法。于是他构想了一个摘要工具,能运用语言学理论来编写低于400字的内容提要。

芝加哥大学的一个研究小组制造了一种能够向大脑传递信号的假手来解决这个问题。他们以猴子为测试对象,研究动物大脑对触摸信号的反应。当装备了可以刺激大脑的假手后,那些猴子的反应就好像他们身体接触到了物体一样。
But with Jrue Holiday back and Anthony Davis putting up historic numbers, they aren't going to be bad enough to get a Fultz or Jackson. Why couldn't last year's draft class be this good?
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这些模子能让普通水果长出有趣的形状。
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其中,上海交易所IPO共计26宗,而深圳中小企业板IPO共计15宗,创业板IPO共计20宗。

control
But nearly two-thirds (65 percent) of white evangelical Protestants say they think the storms are evidence of the "end times" as predicted by the Bible.
2015年,欧盟仅提起了12起反倾销案,较前一年减少了2起。
室内环境:这栋砖砌结构、灰泥粉饰并铺着瓷砖屋顶的两层楼房屋由Dorr & Dorr公司设计,于1916年完工,近15年内曾经翻修。该房屋采用了半牧场、半工匠艺术的设计风格,运用了简洁的线条、开敞式空间、典雅的木制品和彩色玻璃等设计。翻修工程由明尼阿波利斯市Sala建筑公司的约瑟夫·麦茨勒(Joseph Metzler)完成。

China's consumer price inflation decelerated to just 1.3 per cent year-on-year last month, the slowest rate since May. On a month-to-month basis inflation fell by 0.3 per cent, the first negative reading since May.
(G.I. Joe: Retaliation)以及两部小规模电影,加起来在全球的票房收入总计13亿美元。
adj. 全部的,全体的,一切在内的
久而久之,这种民族融合给球队带了不同寻常的和谐。队中的年轻球员,尤其是切尔西的阿扎尔和卢卡库以及曼联的贾努扎伊,成了许多竞争对手羡慕的对象。

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

美国的排放量一直在降低,这是因为发电过程中燃烧天然气的比例增加了;与煤炭相比,燃气发电每单位能量所产生的二氧化碳更少。但美国通报称,2013年的排放量有所增加,因为煤炭重新获得了一些市场份额。如果这种趋势持续下去,它可能会成为奥巴马政府的一个挑战,因为奥巴马政府正试图制定更严格的温室气体政策。
On Saturday night they sang Stars from Les Miserables, the song performed the character Javert in the long-running musical.

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.

我经常心情不好
冲击奖项:最佳电影提名应该可以肯定。参演《至暗时刻》的加里奥德曼是最佳男主角的最热人选,如果说有谁能击败他的话,那可能就是克莱门特了。
贝南克(Bernanke)说今年晚些时候的经济将会走强,所以到时候他可以松开油门,也就是“在今年晚些时候开始减弱刺激性的量化宽松(QE)计划”。对此麦嘉华(Marc Faber)笑了。没错,他笑了。
With a bit of help from Charles Dickens, let’s take a look back at the year in which almost nothing worked:

9. Investors brains are so distracted, in denial, they won't get out in time.
由于合并后的航空公司通常继续分别公布航班延误统计数据,我们可能需要几年时间,才能看到全新美国航空公司在假日旅行方面表现如何。
Cullinan and Ruiz each carry a suitcase containing a copy of the winning envelope for all the categories - meaning there are two envelopes for each award.

Taylor Swift vs. Katy Perry
如果你已经为人父母,我能够理解,这是不太可能的。你会将孩子放在更重要的位置。但是,如果你没有在课堂上展示自己,那么你也就没有做到我们在第一点里讨论的内容。

The fastest growing start-ups tend to be global in their outlook. The immigration restrictions already imposed by President Trump in the US and those under consideration as part of the UK’s separation from the EU are likely to be a hindrance in the coming year for hiring.
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。”
President Obama's Cabinet, of which Clinton was once a member, currently comprises seven women and 16 men.

同时,调查数据还显示,榜单上前100名的学校,毕业生平均月薪较去年上涨了1818元,涨幅达到22.8%。
我国经济基本面好,商业银行资本充足率、拨备覆盖率比较高,可动用的工具和手段多。对守住不发生系统性金融风险的底线,我们有信心和底气、有能力和办法。
Here are five things consumers and investors can count on (probably) in 2015:
The report noted that 201 million people or 27 percent of Internet users were from rural areas, or a gap of 45.2 percent in the Internet penetration rate between urban and rural areas.

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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这些人当中,有些人会借助另一些问题表达他们的忧虑:贸易、犯罪、毒品战争、边境控制、对伊斯兰恐怖主义的恐惧。诚然,这些问题都很重要,也为许多人带来了真切的恐惧,但是它们已经变成一种方式,公众借助这些问题来讨论社会变革对于占多数的白人群体的影响。
Another common path to job loss is the habitual obsession that many employees have with social media. Some companies have taken measures to monitor or limit their employees’ social media use, while others have blocked these sites completely. So beware: spending too much time on social media or other websites not related to your work can cost you your job.

我很高兴看到制造业的工作机会又重回美国市场,但我不认为它会像很多人期望的那样,产生原电池效应拯救经济。为什么?因为制造业中的很多工作机会都被机械化的自动生产取代了。蓝领阶层和基础职位的消失已经成了一个问题,而这个问题还将继续扩大。
谢亚轩估计,11月中国外储下降的大约40%(350亿美元左右)可归因于欧元和其他货币相对于美元走弱的估值影响,而不是资本外流。
FRESH OFF THE BOAT (ABC, Feb. 4) A Chinese-American family adjusts to life in mid-'90s Florida in this culture-clash comedy based on a memoir by the restaurateur and food-and-travel-show host Eddie Huang. Hudson Yang plays the 11-year-old hip-hop wannabe Eddie, and Randall Park (Kim Jong-un in “The Interview”) plays his father, proud proprietor of a suburban steakhouse.
Despite relatively low comparative competition earnings and salary, the pair were the two highest earners in regards to endorsement deals last year, with 17-time Grand Slam champion Federer earning pound 41 million.
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Information technology was the third largest sector with 18 brands shortlisted. The total value of listed IT brands accounted for 22.5 percent of the list. Average value increased 10 percent. Beijing is the preferred headquarters location for the IT sector, and 12 listed IT brands set their headquarters there.
But he told Washington's Observer-Reporter paper that he was keen to read it as it was "a testament of the sincerity, interest and innocence of that time".
Song “Super Shero”(S.H.E.)
另外上榜的有Pink,勒布朗詹姆斯,赛琳娜戈麦斯,伊恩萨默海尔德,Jay-Z和碧昂丝夫妇,本阿弗莱克等明星。

这个习惯会严重影响你的工作。如果你认为在最后时刻可以发挥最好,不断地推迟任务直至最后一天(一个小时),你可能没有认识到你的这种习惯给同事们带来的影响。如果最后一刻再来赶工,要求别人迅速完成任务,很可能会惹恼你的同事,在任务失败或者未按时完成时候,你就是第一个被责备的人。
如果你从平时身穿牛仔裤,t恤套装的搭配突然变成像面试时候穿的西装革履的的样子,这就更充分证实了你请了一天假去面试了。但如果你不这样做,而是穿的和平时在办公室穿的一样。你的老板都会注意到你的变化。然后,FOSS说,“走吧,别把这里当作了在麦当劳停车场面试。

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

n. 必死的命运,死亡数目,死亡率
如果你在工作时间去寻找其他的工作岗位,很明显,你想要辞掉你的工作。去找一份新工作吧,如果找到,就换吧。
3. “Bridge of Spies” Years ago, Steven Spielberg entered the ranks of Pantheon Directors, to borrow the most exalted category in Andrew Sarris’s taxonomic “The American Cinema” — and there he remains.
The performance was his worst so far this season, yet, frankly, it wasn't too dissimilar from those that preceded it. In his 20th NBA season, the 37-year-old Bryant has looked his age.

联系方式:Debbie McNally, Lakes Sotheby’s International Realty, (612) 388-1790; debbiemcnally.com
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尽管很多人总把保时捷与纯性能车联系在一起,但近年来保时捷扩大了他们的阵容,包括帕纳梅拉,即为上图的豪华车型,除此外还有卡宴和小卡宴SUV。根据多数评论家,帕纳梅拉不仅继承了保时捷强大的性能,还满足了使用者对高端内置和联网特性的需求。
Promote steady development of agriculture and continued increases in rural incomes
《寻梦环游记》
One of the best James Bond theme songs wasn't actually played over the opening credits, so we're giving it our first honorable mention. This enormously romantic song from On Her Majesty's Secret Service is one of the few James Bond themes that helps tell the story of the film, in which our hero finally meets the love of his life. (Alas, it was short-lived.) Satchmo warbles his trademark warble, our hearts melt, and a classic is born.
科学家表示,全球变暖加上强大的厄尔尼诺气候事件,令2015年成为自19世纪现代记录开始以来最热年份。科学家还警告,今年地球可能会更热。