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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.

估计当高盛公布自己2009年的奖金规模时,美国国会和媒体又会气得抓狂。但这些怨气终将只是过眼云烟,改变不了什么。所谓“高盛招人恨”的故事实在是拖得太长了。
The Internet users posted screenshots from social networking apps showing questions and answers that were going to be on the exam.

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

《新财富》预计,2025年左右,中国首富将追平美国首富的个人财富,并有实力问鼎全球首富。

According to a national plan for technology development, by 2020 research and development expenditure is targeted to reach 2.5% of total GDP.
有迹象显示,人们对公务员的热情可能正在消减,招聘网在三月底发布的一份报告称,仅仅两个月,已有1万多名公共单位职员通过该网站提交了简历,其中包括公务员和公共机构工作人员。报告还表示,去年同一时期,提交简历的人数比今年高34%。
This year's new college grads entering the workforce are being offered an average monthly salary of 4,014 yuan ($582), and about one-third of them chose to work in first-tier cities, according to survey results released by zhaopin.com, a Chinese online recruitment service provider.
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ICBC said net profits increased 0.5 per cent for the year to December 31 2015 — the smallest increase since it listed. Returns on average total assets declined 0.1 percentage points to 1.30 per cent.
我是否玩儿得太high了?缺乏实现某些事情的动机会让你失去平衡或者稍后会让你感到筋疲力尽,很有压力。休息一下是非常有必要的,但是如果你休息得过了头从而使生产力降低,或者你养成了太过拖拉的习惯,那么或许就需要时间来平衡你的时间安排,以便你可以完成大量的事情而仍有时间休息娱乐。

Lady Gaga以5.9千万位列第四,其后是5.45千万的碧昂斯。前者在统计期间演出了66场,也靠与范思哲和MAC的合约获得收入,同时还有她自己的黑色香水。后者与其老公Jay Z的On The Run巡回演唱会通过19天(北美日期),赚得了超过10千万,创造了能与滚石相比较的第一对音乐界夫妻档夜平均的神话。
The Beijing Tourism Development Commission noted that the country's battle with pollution is another obstacle cities face in attracting inbound tourists.
"Everywhere I go business owners are seeing an increase in demand," said Gus Faucher, senior economist at PNC Financial Services. "Businesses will have to raise wages to attract or maintain workers."
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Emerging market exports have been declining in dollar terms since October 2014, a far longer, if less extreme, losing streak than during the 2008-09 global financial crisis, as the first chart shows.
2. “闪光的密切:纳撒尼尔·多斯基与杰罗姆·希勒的电影”(Luminous Intimacy: The Cinema of Nathaniel Dorsky and Jerome Hiler)。赞美纽约电影节,感谢纽约电影节,举办了这样一次令人赞叹的双人回顾影展。
5. Repeats & highlights are as good as the main match, so am gonna watch them.
James Bond Themes 2. "GoldenEye" by Tina Turner

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

唐同学怀疑水中被混合了有毒物质,便把此事报告给班长和老师。
4.比赛期间不要讲话叽歪,等到中场休息或是比赛结束时再说话。

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.

平壤称Park为“人渣”,一直在谴责气球投放,最近几个月甚至要求首尔禁止这一行动。
“我们一直用很高的标准要求自己”,库里赛后表示。“我们在第三节没有给他们防守端施加压力,草率地结束了我们的进攻并且给了他们机会。有很多需要我们继续提高的地方,当然,每个人都愿意在赢球的同时接受教训。”
LONDON — In the 1970s, the British comedian Tommy Cooper used to tell a joke about asking an auction house to value a violin and a painting that he had discovered in an attic. The good news, he was told, is that they were made by Stradivarius and Rembrandt. The bad news was that the painting was by Stradivarius and the violin was by Rembrandt.
几年前,有人发明了一辆会飞的自行车,叫做"Paravelo"。称一辆自行车会飞,并不是开玩笑,而是这辆自行车真的会飞(车头有一个巨大的降落伞)。它在陆地和空中的时速分别为25千米(15英里)和40千米(25英里),可飞至1200米(4000英尺)高空。最棒的地方是什么呢?那就是你不需要有飞行驾照。Paravelo号称世界上第一辆会飞的自行车,但我们必须指出它并不是第一辆会飞的自行车。

最新名单显示香港大学排名第三,澳门大学排名第六。
'What I was trying to do was wrap myself in his mantle and write a book that would be worthy of him.'
与此同时,“全民基本收入”理念的热心支持者将会关注芬兰正在进行的一个试点。在法国,埃马纽埃尔马克龙(Emmanuel Macron)将在2018年审慎拿捏,改革劳动力市场,希望在不加大工人不安全感或激怒工会的情况下注入灵活性。

*Writing for a Variety Series: “Last Week Tonight With John Oliver”
According to the 2016 Hurun IT Rich List released last Tuesday, the average wealth of the top 50 Chinese IT tycoons hit a record, surging 13% year-on-year to 26.9 billion yuan.

Hunger Games star Jennifer Lawrence on Tuesday topped a Forbes magazine list of the world’s highest-paid actress for the second straight year, earning some $46 million, followed by Melissa McCarthy.
One might expect that online programmes would appeal proportionately more to women than full-time programmes due to their flexibility. How-ever, data from the 2016 rankings show that women account for 30 per cent of enrolled students compared with 35 per cent for full-time programmes.
"This film was about survival, adaptation and the triumph of the human spirit and more importantly it was about trust.”

"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."
Isolated in northern China, this virus was similar to the virus that spread before 1957. For this reason, individuals born before 1957 were generally protected, however children and young adults born after that year were not because they had no prior immunity. By January 1978, the virus had spread around the world, including the United States. Because illness occurred primarily in children, this event was not considered a true pandemic. Vaccine containing this virus was not produced in time for the 1977-78 season, but the virus was included in the 1978-79 vaccine.
2020年,10美元钞票上将出现一名著名美国女性的画像。
今年的排行榜包括90个管理学硕士项目,创历来最高纪录,多于2015年的80个。

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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据张晓光表示,怀旧部分将包括出自上海文华电影制作工作室的电影,该公司成立于1946年、引领了中国文艺电影的新时代,将会让观众“一睹中国的电影文化和历史”。
《我们这一天/我们的生活》

随着美国电子商务交易接近零售总额的10%,越来越多的商家开始寻找既好用又能帮他们快速卖出商品的电商平台。
The continued, albeit slower growth in prices tracks with recent data showing real estate investment ticked upward in October and sales had registered barely any negative impact from the new restrictions.
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According to China's business magazine New Fortune's 2018 Chinese wealthy list, the top 10 tycoons' total wealth reached 1.72 trillion yuan, accounting for 18% of the combined wealth of the list's total 500, and the top 10's personal wealth has surpassed 100 billion yuan for the first time.
Here's a list of the top 10 most anticipated movies in 2016 that we believe will become box office hits and would be worth watching more than once.

As this year marks the 10th anniversary of the iconic Italian director Michelangelo Antonioni’s death, up to 13 of his classics - from his debut feature Story of a Love Affair to the 1995 romance Beyond the Clouds - will be screened as an homage to the master.
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CEOs: Newbies Mary Barra at GM and Mark Fields at Ford start playing close attention to the moves made by FCA’s Sergio Marchionne. Despite running his growing empire on two continents, Marchionne tacked on a U.S market share gain of 1.2 points, unhindered by one of the weakest product lineups in the business and troubles with his much heralded eight-speed transmission.

1. Bubble With No Name Yet triggers the biggest crash in 30 years
Finding Dory releases on June 17, 2016.

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

首次发现直接由禽类传染人类的流感病毒,此病毒的传染与接触家禽市场有关。香港有六人死亡。这种病毒之所以不同,是因为它并没有通过传染猪,使猪成为中间宿主,而是直接由鸡传染给人类。另外,年轻人中感染最严重的病症有些与1918年“西班牙流感”病毒相似。
And, this year, Star Wars found its way onto the list as well, with ‘starwars’ claiming the 16th spot.
A video of Bi Fujian, a popular television host, poking fun at a song from a Cultural Revolution-era opera about the Chinese civil war, with his own critical asides about Mao and the Communist Party, appeared online in April. Despite the government's efforts to contain its spread, it circulated widely, with some commenters defending Mr. Bi's opinions and his right to express them.
6.数据科学家

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An American actress, author, fashion designer, dancer, producer, and singer Jennifer Lopez hold the second place in the list of 10 most beautiful women of 2015. Lopez's personal relationships have attracted worldwide media attention; she has been married three times. Beside entertainment world, J. Lo enjoyed a highly successful business career, consisting of various clothing lines, accessories, fragrances, a production company, television shows and a charitable foundation among other business interests.

“当她穿着华丽的衣服站在舞台上,她神采奕奕的表情对我来说是无价之宝。”
I once had an advisor that said to me when I expressed fear of a difficult class, "Do you want to get an education or not?"
It is revealed that Hadid's visa application was turned down after she offended many by squinting her eyes in an attempt to impersonate the Buddha in February.
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