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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.

HOUSE OF CARDS (Netflix, Feb. 27) Netflix’s political grand guignol gets a 13-episode third season. Kim Dickens of “Treme” joins Kevin Spacey and Robin Wright in the cast, and two members of Pussy Riot will make a guest appearance.
The actress posted on Instagram a seemingly heartfelt missive after the attacks in Nice and Turkey. But she paired it with a photo of her in some skimpy lingerie attempting to look seductive.

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

教育部也已采取了一些措施,例如取消考试成绩、将作弊行为记入个人档案中。

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

4. Stop eating, gotta get those cheekbone sharp enough to cut butter.

不久后,拉塞尔爱上了一名叫菲利普·莫里斯的狱友。莫里斯出狱后,拉塞尔通过给职员办公室打电话再次越狱,还假冒法官,大幅降低了自己的保释金。为了和莫里斯在一起,他又被捕和逃脱了两次,一度假装自己已经离世。他现在被判终身监禁,但表示看到自己的电影形象很激动。
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。
re反,treat=tract拉-拉回-撤退
adj. 透视的
但曼谷的吸引力也显而易见:充满生机、食物美味、毗邻一些世界上最美的海滩和岛屿。
Americans: While you're here, why not pretend to be Canadian? Very few Britons can tell the difference, and it will allow you to rescue yourself from awkward conversations about the death penalty.

周二公布的数据显示,去年12月,中国规模以上工业企业利润同比下降8%,是2011年末以来的最大降幅。11月数据的同比下滑幅度为4.2%。
在2009年美国经济开始复苏时,全球其他地区开始陷入各自的困境。
However, others argued that doctors' hands may be forced by an unfair system. "As a patient, I'm more concerned about whether they can cure my illness rather than how many papers they've published," another netizen said.
《她》(Her),由斯派克?琼斯(Spike Jonze)担任编剧兼导演,将浪漫带入了虚拟世界,影片的主人公展开了一场有些疯狂的真正激情之旅。华金?菲尼克斯(Joaquin Phoenix)扮演的男主角是个令人心酸的孤独小伙子,他爱上了自己智能手机的新操作系统。影片的基本构想有些脆弱,但故事非常华丽地展开,霍伊特?范?霍特玛(Hoyte Van Hoytema)的摄影也很精妙,完美地烘托了菲尼克斯、艾米?亚当斯(Amy Adams)和斯嘉丽?约翰逊(Scarlett Johansson)的表演。斯嘉丽?约翰逊在片中扮演的是智能手机操作系统的声音和灵魂。

"Why do the slaves all dress in white and look like fairies in this drama? Plus they even ran faster than horses. Is it reasonable?" user Shiweitian said.
现在基本上只能依靠其他制度(尤其是国会、法庭和媒体)以及公民。
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11月份,财新赞助的中国综合PMI指数读数为50.5。这是自7月份以来,该指数首次超过50这个区分收缩和扩张的荣枯线。

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

Tesla:In an effort to blunt criticism about slow refueling times for battery-powered cars, Tesla TSLA -1.54% starts to roll out of a network of battery-swap stations. CEO Elon Musk must hope he can outdo Shai Agassi’s Better Place, which tried to build a whole company around battery-swaps before going bankrupt in 2013.
US billionaires hold 540 spots on the list, more than any other country in the world. In second is China with 251 and German with 120.

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.

获奖者:林赛·罗韩
n. 病毒,病原体
“中日关系说到底,就是日本能不能接受中国的发展壮大,这是根本问题。”
The questions New Yorkers ask the column are dictated not only by their individual circumstances but also by the larger issues of the day, like rising housing costs, gentrification and shoddy construction. In the end, 2014 was a year of things going up — home prices, rents and, above all, buildings, with 16,700 units approved for construction through October, according to the Real Estate Board of New York.

当发生问题时,库克会迅速而无情地采取行动。2012年底,苹果过早推出了有缺陷的苹果地图(Apple Maps)应用之后,库克解雇了乔布斯的亲密盟友、领导开发iOS的斯科特?福斯托(Scott Forstall),以及前Dixons首席执行官、掌管苹果零售部门不到一年的约翰?布劳伊特(John Browett)。此举传递出一条信息:库克不会容忍业绩不佳或内部政治。
It was the first "real" James Bond song (again, the first two films only opened with orchestral music), and it's still the best. Shirley Bassey got an opportunity to sing her soul out and she accepted the challenge with obvious pleasure. This is a song that makes the villain Auric Goldfinger seem a lot more threatening (and attractive) than he actually is, but that's part of the miracle of Bassey's work here. It's proud and heroic and enticing and it's kind of a lie, but who cares? The music is pure James Bond, the lyrics are pure machismo, and the performance is perfect.
2.人工眼睛

《一个开车从来不回头看的沙特女子》(A Saudi Woman Who Got Behind the Wheel and Never Looked Back)
时间:2011-06-02 编辑:beck

The diplomatic row began when Ankara’s foreign minister was denied entry to the Netherlands on Saturday for a campaign rally in favour of Mr Erdogan’s constitutional reforms. Armed Dutch police also intercepted another Turkish minister, Fatma Betul Sayan Kaya, on her way to the rally in Rotterdam and escorted her back to the German border.
Common areas include two living rooms, both with walls of glass opening to a patio and an in-ground pool. Ceilings rise as high as 28 feet; doors throughout are Spanish cedar. Among the stainless-steel kitchen appliances are a Fisher & Paykel range and two Sub-Zero refrigerators, as well as steel cabinets and sinks. A breakfast bar separates the kitchen from the dining area, which also opens to the patio and pool.
McDonough School of Business at Georgetown University in Washington DC returns to the custom ranking in 15th place after dropping out last year because of a low survey response rate from clients. Only three schools enter the custom ranking for the first time, including London’s Cass Business School in 60th place.

“The Fed was much more aggressive than expected,” Mr Koepke says. “Taking markets by surprise was clearly not the way to go.” (This was before the Fed began making regular public statements after its monetary policy meetings.)
German Three:Mercedes-Benz begins to sag as new lower-priced Benz’s inevitably erode its once invincible “the best or nothing” status. At BMW, imminent arrival of a new 7-series cements its status as the preferred brand of Scarsdale, Shaker Heights, and Santa Monica. A new A3, starting at $30, 795, should nicely lift Audi’s sales beyond 2014’s 15% climb, and a new Q7 SUV should nicely lift profits.
骑行背带
The Atlanta-based group expects sales, adjusted for acquisitions, divestitures and currency fluctuations, to rise 3 per cent, compared with its earlier forecast of between 4 per cent and 5 per cent.

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.

6、《招魂2:恩菲德的骚灵》
这张专辑中十分突出的一首歌《Him》(《他》)以低调的方式讲述了一个有关同性恋和文化偏执的催人泪下的故事,是一首倡导非异性恋者公民权的歌曲。
产品看起来并不太像一个鼻子,而是一个瓶子,装满了培养细菌的营养液体。但是给这个“鼻子”一个血液样本,让它嗅上一段时间,这个瓶子的斑点会改变颜色来表示它鉴别出的细菌种类。

Written instructions apparently issued by China’s tourism administration, shown to the FT by one Beijing travel agent, order agencies to cancel group tours to South Korea booked for after March 15 and add that companies not in compliance could be fined or have their licences revoked. The tourism administration was not immediately available for comment.
英国整体排名第三。“强国”排名第四,“文化影响力”排名第五。
Two days ago here in Brazil, we were shocked when we spent some time with some children living on the streets. And this is what one child told us: "I wish I was rich and if I were, I would give all the street children food, clothes, medicine, shelter and love and affection." 在巴西,我被2天前见到的情景震惊了,那时我和当地的小孩在玩耍,其中一个小孩说:“我希望我能富裕起来,然后我会给这个街道所有的小孩饭吃,给他们衣服穿,医疗,住房和爱”。
de去掉,but。去掉but?导演Z(平静):你可以上台了。女演员F:but我还没准备好呢?Z(有点儿烦):哪那么多事儿呀,快点儿!F:but我这可是第一次!Z(强忍):谁没有第一次呀,快!F:but…,Z(已经怒了):哪XX那么多but呀,全都给我de掉,再不上去我就X人了!!!
Comic skit “Dance If You Like” (Cai Ming and Pan Changjiang)

A savings account had been opened in the boy's name and he used those details when signing up for AdWords.
Four government agencies including the commerce ministry and the central bank said in December they would apply tighter scrutiny to "irrational" outbound deals including real estate, hotels, movie theatres, entertainment assets and sports clubs.
White people’s officially privileged status waned over the latter half of the 20th century with the demise of discriminatory practices in, say, university admissions. But rising wages, an expanding social safety net and new educational opportunities helped offset that. Most white adults were wealthier and more successful than their parents, and confident that their children would do better still.
学员平均年龄:37岁

The state-sponsored purchasing managers' index fell from 50.8 in October to 50.3 in November, the lowest reading since March. Any level above 50 indicates expansion.
3.The Andrea Yates Trial Inspired Desperate Housewives

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

adj. 毁灭性的,令人震惊的,强有力的
The US electoral college has failed doubly.
This list is composed of—The strongest, intelligent, desirable, popular, attractive, beautiful, successful women in 2015.
The thing about the Mavericks is that this is not at all how Dirk should go out. That team has been so solid his entire career. To have a busted season now is painful. Maybe he ought to have joined Kobe, KG, and Big Fundamental last summer.

While oil prices may rebound in 2015, they almost certainly won't return to $100 a barrel any time soon, barring a geopolitical crisis in a major petroleum-producing region. So the gift will keep giving this year and further feed an accelerating U.S. recovery.
6.癌症死亡率

adj. 能生产的,有生产价值的,多产的
The Education Ministry has also taken some measures, such as canceling testing results and noting cheating in personal records.
5.Bryan Cranston was a Murder Suspect
线索可能隐藏在价格之中:H股很便宜。H股指数市盈率为7倍,低于西班牙(该国失业率达到22%)、巴西(该国依赖大宗商品,因而也依赖中国)以及受中东乱局影响的土耳其和埃及。
Chinese tech giant Lenovo, however, remained at the top of the market - owning more than 20% of it. HP followed in second place, with Dell third and Apple and ASUS tied for the fourth spot.