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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.

女士们,我们都接到这样的警告,你将会如何回复呢?
杨燕绥主任说道:“养老保险实际抚养比到了3:1的时候,养老保险的费率就不能低于17%,如果降到2:1,每个人就得承担25%,抚养比越低,个人承担就越来越重。两年内必须解决养老金制度的转型。”

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

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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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Porto is nearly synonymous to port wine, and also its rich history. The city's historic center and the Alto Douro Wine Region have been listed as UNESCO World Heritage Sites.
The capital plans to move most of its municipal departments to the suburban district of Tongzhou in 2017, the Beijing Municipal Committee announced on Wednesday.
根据这份由互联网薪酬调查及报告提供商中国薪酬网发布的调查显示,清华大学2017届毕业生平均月薪达9065元。
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汉森表示,美国原油增产意味着现货油价对地缘政治事件的反应不如以往那样大了。他说,目前的原油供应足够多,油价受威胁的程度不如以往,2014年将是首个出现一段时间原油供应增量超过需求增量的年头。
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去年,韩国教育部发布了一本手册就整形手术综合症对韩国高中生发出了警告,引用了迈克尔?杰克逊以及一个韩国女性因对整形上瘾导致脸部怪异浮肿的案例。
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报告指出,缺少资金和经验是大学生创业者们面临的最大障碍,40%的年轻创业者们依赖于诸如来自银行、投资机构、学校和政府等机构贷款的外部资金。
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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

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据行业估计,到2020年,我国年度票房有望达到1000亿元人民币。

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.

Bigger isn’t always better.
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寨卡病毒的后果
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).

让爱情多姿多彩:荷兰培育出彩虹玫瑰(图)
Make your classes your highest priority.
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5. Constantly take action.
In July, the government made the first stab at regulating internet finance when 10 agencies, including the central bank, the banking regulator and the securities regulator jointly issued guidelines that provide an official definition of “internet finance” and specify which agencies are responsible for regulating which types of internet financial institutions.
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The country's improved performance has notched the 17th place in "innovation quality", an indicator that looks at the caliber of universities, number of scientific publications and international patent filings.
The Bellarine Peninsula, located Southwest of Melbourne, Victoria, has been a hotspot for timeless beaches and historic towns like Queenscliff and Portarlington.
HEC Paris is second despite outperforming LBS in all rankings but the MBA. It missed out on a full house because of its participation in the executive MBA ranking as one-third of Trium, the programme delivered jointly with London School of Economics and New York’s Stern School of Business. (Schools participating in the EMBA ranking with joint programmes receive a proportionate score.)
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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.

13 Reasons Why
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单词arrogant 联想记忆:

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艾丽斯·斯瓦策尔多年来一直为争取女性权利而斗争。她对像唐纳德·特朗普这样“老式的性别歧视者”能够当上美国总统深感震惊。
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扎实推进“一带一路”建设。

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

Stand: Facebook CEO Mark Zuckerberg took a stand for immigration reform
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制定计划
Folk Song “Horse-Head Fiddle On A Deck”(Wang Hongwei)

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n. 潜力,潜能[kɑ:st]
研究显示,通过短信获取重置码、备选邮箱来恢复登陆的有效性分别为81%、75%。
With assets under management of $200bn, according to Nomura Securities, Japan’s ETF market is about $50bn larger than all other Asia-Pacific ETF markets put together. At the end of August, the market value of the BOJ’s ETF holdings was $175bn.
4. 学会自我推销。