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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?

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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.

“十二五”期间,中国累计实际使用外资预计达到6200亿美元,第三产业实际利用外资占比提高到60%以上。同期中国对外直接投资年均增长14.2%。
有些科学家认为,那些记忆力超群的人其实是采用了一种特殊的“归档法”来使自己记忆的东西变得有条理。有的时候,魔术师们也会用上一些需要超高记忆能力的心理欺骗术使观众连连惊叹。但是你如果你只是担心自己会忘记日常生活中的一些小事情,其实并不需要用到心理欺骗术这么高端的东西啦!一些科学小方法就可以帮助你实现这个目标。以下就是10个提高记忆能力的方法,你记得住吗?

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

卓越雇主排名:61

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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罗杰斯对于中间剧情的反转十分不满,因此在拍完前三季之后决定离开剧组。这样的违约行为使他面临数百万美元的诉讼。但讽刺的是,韦恩·罗杰斯从来没有正式和剧组签订过合同(他涉及道德条款方面的问题)。因此该诉讼请求被驳回。你可能会说在这次的事件中,罗杰斯是笑到最后的人,但自从他离开剧组,《风流医生俏护士》又播出了八季,而罗杰斯在他的演艺生涯中再也没有取得过这样的成就。所以说他是笑到最后的人,也许只是一个相对的说法。
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Sam Smith, 'The Thrill of It All'
But although he foresees a “noticeable pick-up in exports” in the first quarter of 2017, the UBS man is keen to play down any euphoria. He believes year-on-year growth will weaken and maybe even turn negative by the second half of 2017 because “volume is not picking up in a big way and the base effect [of last year’s weak commodity prices] will fall off” during the course of 2017.
罗塞略致力于改善公私合作伙伴关系,并使用这笔收入来挽救面临400亿美元的退休制度,预计不到一年就会崩溃。罗塞略也承诺与美国国会去年成立监督波多黎各财政的联邦控制委员会密切合作,他还说支持与债权人就协助重组一笔近700亿美元的公债谈判。
或许是作为回应,在2017年初,中国媒体监管机构在报道票房数据时悄然开始计入在线票务公司收取的服务费。

引人注目的是,在首次上榜的9所学校中,亚利桑那州立大学(Arizona State University)的WP凯瑞商学院(WP Carey School of Business)成为首次参与此项排名的美国学校,排在第82位。
大众创业、万众创新广泛开展;
adj. 有经验的
据国家新闻出版广电总局介绍,中国的电影票房收益在2017年上涨了13.45%,达559亿元(86亿美元),国产影片为该市场做了53.84%的贡献。

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.
根据最新相关报告表示,亚马逊凭借在数据中心、设备、电子方法和系统等方面的创新而上榜。
为编制英国《金融时报》2017年金融硕士课程排行榜而收集的数据显示,在金融领域工作的毕业生当中,性别多样化程度日益上升。
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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

He admitted to having mixed emotions about the letter as he and Vonnie are now divorced.
《盗墓笔记》

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.

This post is in partnership with Time. The article below was originally published at Time.com
近日中国警方对南部一家不法食品商家进行突袭,曝光成吨的腐臭鸡爪。这些有几十年历史的“美味”经过“特殊加工”后,会卖给毫不知情的消费者。
The Cassini spacecraft has been sending home images of Saturn, its rings and its moons since arriving at the gas giant in 2004. The mission ended in September with a planned fiery crash into Saturn’s atmosphere. While it studied the planet, Cassini explored moons — Titan and Enceladus — that could be home to extraterrestrial life. The probe also gave us great insight into our solar system, and will continue to do so for years as scientists pore over the data it collected.
我是否在维持健康的人际关系?在你的生活中,是否有一段关系需要你额外的关注?你是否需要给某人平反?在如何对待他人这个问题上,努力保持清醒的头脑。

The two extraordinary sex toys will go on display at an upcoming exhibition at the Asian Art Museum of San Francisco in the United States.
只剩下空洞的形式。所以,借鉴这些熟悉的形式看似稳妥,实际上并非如此。它是空洞的,可以被丢弃,所以,60年代的风格一直被认为是一股“潮流”——“潮流”暗含的意思是,在某一时刻它将“终结”。虽然“终结”尚未到来。
To SKN Company in Russia for exploding old Russian ammunition and creating diamonds. Now that`s recycling!

Nobel economists like Joseph Stiglitz, environmental activists like Bill McKibben, George Soros and the Institute for New Economic Thinking, politicians like Al Gore and other modern thinkers all warn us that traditional economists (and the banks, businesses and government agencies they work for) are addicted to bad economic theories, And they're sabotaging America's future.
科学家指出,这增加了暴雨和洪水的危险,因为气温升高会导致大气层里积聚更多水蒸气。

斯坦福大学的Zhenan Baohas 研发出了一种具备超弹性、超耐性和超敏感的材料,能够作为未来发展人工皮肤的基础。以前,人们也研究过生化皮肤,但是Baohas的材料比以前研发出来的更具敏感性。它带有有机转换物质和一层弹性材料,保证它在不被破坏情况下的延展性。另外,这种材料带有一系列的太阳能电池元件,可以自动充电。
But markets plunged following the ECB decision. Investors complained that the central bank had misled markets about the amount of extra stimulus it was prepared to inject to shore up the recovery.
The 2015 FT Global Executive MBA ranking this year is remarkable for two reasons. Not only is it the FT’s 100th ranking of business schools, but it also marks the first time thataprogramme that includes a mainland Chinese business school has occupied the top position.

Stripping out price, volumes of Chinese imports in October fell a more modest 2.6 per cent from a year earlier, according to estimates from Oxford Economics.
两间卧室位于二楼,其中包括主卧,该卧室是一个大套间的一部分,这个套间里还有一座壁炉、一间步入式衣帽间和一座可俯瞰海湾的阳台。走廊边的一间办公室也通往这座阳台。其他的卧室都在三楼。其中有一间可通过山墙上的扇骨半圆窗俯瞰海湾。
16. Most Ignored Truism “There’s a myth in the business that young males drive the box office,” Tom Rothman, the chairman of Sony Pictures Entertainment’s motion picture group, told The Hollywood Reporter in November. In this same interview, Alan F. Horn, the chairman of the Walt Disney Studios, tried to make it simple: “There are variables that do affect what one pays any performer. Angelina Jolie, for example, got a lot more money for ‘Maleficent’ than Daisy Ridley did for ‘Star Wars,’ but they’re both women.” (Gee, thanks, Alan!)
另一方面,10月份工业生产者出厂价格(PPI)连续第3个月同比下降5.9%。

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.

8.Kate Upton
10.Supersensitive Electronic Skin
Like any college kid, Evan Wray loved using the tiny pictograms known as emoji. But he hated that there was no emoji to express his Fighting Irish pride with fellow University of Notre Dame students. So, alongside co-founder Sean O’Brien, he built a modest business on that disconnect. TextPride, as it was called, licensed images from brands in the sports and entertainment world and sold them as sticker packs. Within a messaging app like Kik, users could buy a packet of stickers for Disney’s Frozen for $1.99, for example.

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周日,商务部长高虎城表示,今年中国网上零售额预计将达到4万亿元(约合6180亿美元),有望超过世界其他地区从而跃居首位。
来自民主党的奥巴马和共和党的罗姆尼在竞选活动中,都把重点放在如何修复萎靡不振的美国经济上。据估计,至少有1.2亿的美国选民将选举投票。
Yet when October was taken as a whole, only Shenzhen showed a real month-on-month price fall.
你可能觉得夏威夷航空的运营相对容易,因为该公司的航班很少遇到美国大陆那种恶劣的天气条件。夏威夷航空公司在航班准点率排行榜上常年位居前列,在9月份最新公布的榜单上创下最高准点率。夏威夷航空公司最近宣布将把业务拓展到夏威夷岛外,开通从檀香山到北京的直达航班。

200911/88512.shtmlA 1936 Nobel Peace Prize discovered at a South American pawn shop has been sold at auction in Baltimore for $1.16 million.
The host list of 2014 Spring Festival Gala, including Zhu Jun, Dong Qing, Bi Fujian, Li Sisi and Zhang Guoli, are released on Wednesday. Chinese film actor and director Zhang Guoli will host the annual gala of China Central Television (CCTV) for the first time.
It is up to other institutions — notably, Congress, courts and media — and the citizens at large now to do so.
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The increase of these and other gases from human activity has caused the planet to warm by about 1.5 degrees Fahrenheit since the preindustrial era, which is causing land ice to melt all over the world. The oceans are rising at what appears to be an accelerating pace, and heat waves and torrential rains are intensifying.
These rankings use a different methodology from the overall ranking based on academic research performance in each specific subject.

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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以下就是关于这些交易——或者那些本应发生的交易——的盘点,我们来看看今年交易截止日的赢家和输家分别是谁。
“My manifesto with Summly was to get our technology into as many users’ hands as possible,” Mr D’Aloisio said, pointing to Yahoo’s hundreds of millions of users. “With Yahoo’s reputation as a content portal, we have an opportunity to fundamentally change the way content is consumed.”
Maddie has now appeared in three of Sia's videos - Chandelier, Elastic Heart and Big Girls Cry.

Wang Rongzhen在采访中表示,“我们就是要卖车,如果厂家不提供车型,我们就卖不下去了,也只能退网。”他估计经销商每年亏损300-1000万元。目前,现代汽车在中国有近40家进口经销商,其中30家经销商要求退网赔偿。
在电影《007:大破天幕杀机》中饰演邦女郎的贝纳尼丝·玛尔洛(Berenice Marlohe),已经确认加盟导演特伦斯·马立克(TerrenceMalick)执导的最新电影作品,目前此影片正在奥斯汀进行拍摄。

The letter surfaced in a Pennsylvanian university mailroom earlier this month.
Transforming and upgrading the real economy through innovation
MasterCard says its index reflects the interconnectedness of major global cities and tracks the ways in which business and leisure jet-setters spend their money.
……被要求向面试官简单介绍自己,结果她没有什么可说的。
n. 经营方法,行为态度