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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.

The only things in the way are his staff, Republicans in Congress and the limits of his power. And those are important. Campaign promises of 45 per cent tariffs on Chinese goods have turned into investigations into Beijing’s intellectual property regime.
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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

Richard Waters

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

The Turkish president said Angela Merkel, the German chancellor, was “no different from the Netherlands” and urged émigré Turks not to vote for “the government and the racists” in upcoming European elections. Ms Merkel faces a tough re-election bid in September.

Stevens will perform "Mystery of Love" from the film "Call Me by Your Name," and Bernal, LaFourcade and Miguel will perform "Remember Me" from "Coco."
五大发展理念:创新、协调、绿色、开放、共享的发展理念
黄金披萨中使用了进口白斯第尔顿奶酪、表面的金箔上点缀有里海俄罗斯鲟鱼子酱、法国松露和鹅肝。
2017年排行榜的前几名几乎清一色都是法国商学院。校区位于里尔和尼斯的北方高等商学院(Edhec Business School)首次登上该榜单榜首。自2011年该榜单编制以来一直排名第一的巴黎高等商学院(HEC Paris)如今降至第二名。
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The total amount of remittances, which is estimated to reach $450 billion in 2017, has risen by more than 50 percent in the past decade, IFAD said.

One of the main strengths of the LBS programmes is the wide range of students from different countries. More than 90 per cent in its 2015 MBA cohort were from overseas, coming from about 60 different countries.
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在2017年FT对全球95个管理学硕士项目的排行中,虽然瑞士圣加仑大学(University of St Gallen)继续蝉联冠军,但法国和英国商学院分别以24个和18个项目入围成为中坚力量。超过一半的英国商学院排名上升,而只有一家法国商学院排名上升。三分之一的英国商学院排名上升5位,相比之下,三分之二的法国商学院排名下降5位或更多。
Consumers in many parts of the world have a preference for buying local which has helped boost the value of local brands.

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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

东京大学(全球排名22名)和京都大学(35名)仍然是亚洲最顶尖的两所高校。
Chazelle’s musical was the hot favourite going into the evening, with a record-tying 14 nominations. Chazelle won the best director award, while Emma Stone won best actress for her performance in the film, which was produced by Lionsgate. There were other La La Land Oscars for score and best original song.

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.

It was the fastest growth rate among the top 10 countries on the EPO's patent-filing league table.
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截至7月中旬,约有50,000家商店在Bigcommerce上运营,平台累计销售额近40亿美元。Bigcommerce的客户通常是一个一个累积起来的。但7月初,它与eBay签署了一项协议,eBay从2015年2月将停用的两款Magento产品Go和ProStores优先迁移至Bigcommerce。在此之前,ProStores已有5,000多家商户迁移至Bigcommerce。此项协议可能再带来多达10,000家商户。
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凭借创新性的信用评级技术,4年前创办的陆金所已经发展成为行业的领头羊。
Years of growth fuelled by access to cheap funding by virtue of low interest rates in the developed world and China’s robust appetite for commodities are seen ending, leading economists at the Bank of International Settlements to warn of negative spillovers as borrowing costs rise.
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中国2017年GDP增长预期目标为“6.5%左右”。

Judge Business School at the University of Cambridge jumps five places to fifth. Not only is it the first time it has broken into the top five, but it is also the first occasion that LBS is not the top-placed UK school in the MBA ranking.
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Rounding out our top five is Sandra Bullock, one of only two women on our list (the other is Jennifer Lawrence in 10th place). Bullock had two big hits this year in two very different genres: Gravity was a tense thriller that will likely earn her another Oscar nomination, while The Heat was a cop comedy that kicked butt at the box office, bringing in $230 million globally.

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Obama won the second to put himself back in the race. Although he also won the third, foreign policy is not a major concern for voters and it is unlikely to result in any major poll swings.

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.

Inventors Bryan Carpenter and Bland Hoke were inspired by their passion for the outdoors, and decided to come up with a creative way to bring their hammocks everywhere they go.
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Here is my best guess - and that's all it is - for how the U.S. economy and markets will look in 2010:
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全球新职介绍公司Challenger Gray & Christmas 的执行总裁John Challenger 说:“经济不景气之后,总会有个就业复苏期,但是我们的确对2010年的就业率不抱多少乐观态度。”
China’s largest online peer-to-peer lender, Lufax, is seeking $1bn in new funding at a valuation of $15bn-$20bn, as growth continues to surge across the internet finance sector.

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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先锋(Vanguard)的亚洲投资组合审查主管Yan Pu怀疑,亚洲的产品结构可能阻碍了ETF的发展。例如,亚洲ETF公司提供大量的股票ETF产品,但很少有固定收益产品。她指出,在美国,固定收益ETF增长迅速。
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