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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.

根据公安部的声明,自2015年9月以来,我国在放宽外国人居留、入境政策方面取得了巨大进步,帮助吸引了更多海外人才、促进了国际交流和经济发展。
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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

今年到目前为止,周星驰的《美人鱼》自二月上旬的贺岁档上映以来,已经取得了5.26亿美元的票房收入。

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

BEIJING: A group of Hyundai Motor Co dealers in China is seeking 800 million-900 million yuan ($120 million-135 million) in compensation from the South Korean automaker, saying Hyundai has cut the flow of models it exports to them, resulting in dealership losses and closures.

Hope all your New Year dreams come true!
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排名:第三
报告同时也显示,双十一已经成为由淘宝,天猫,京东领衔的电商的最大购物活动。
The government needs to work to emancipate and develop productive forces, bring out the initiative for the people and deliver greater benefits to the general public, the essence of governance is to always act in the overall interests of the whole country rather than just acting in one scenario departmental interests. The essence of our government is to always respond to the people’s call.

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There will no longer be any legal obstacle to the implementation of a universal two-child policy, if the draft amendment to the family planning law is approved by the top legislature by Sunday.
我叫它“万隆奖”,该奖得名于一位中国肉业大亨,人家身为CEO却无比坦诚地宣称:“我就是个杀猪卖肉的。”万隆先生一定会同意我把这个奖颁给北伯林顿铁路公司(BNSF)的一位高管,这位仁兄在一次会议上说:“我们把东西从一个地方运到另一个地方。”

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

The Big Tech backlash will spread to technology industry employees in 2018, as many question whether the work they do really is saving the world.
You`d love to know the balance of forces that shape and move your ponytail, right? That`s why Joseph Keller, Raymond Goldstein, Patrick Warren and Robin Ball received this igNOMINIOUS prize!

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.

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如果你失业已经有一段很长的时间了,可能该是时候考虑一份你以前没有考虑过的工作了。
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"There are ways to control air (pollution), but we need stronger determination to control it." ZHANG LIJUN, member of the CPPCC National Committee and former vice-minister of environmental protection

Mr Williams notes that early November data from the likes of Brazil, Vietnam, Taiwan and Chile suggests the picture has continued to improve since October.
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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.

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Corkin died this year but shortly after, journalist Luke Dittrich published a book claiming Corkin buried inconvenient findings, shredded files, and acted unethically in gaining HM's consent.
欧洲工商管理学院(Insead)领衔2017年英国《金融时报》全球MBA百强榜。这是这所拥有多个校区的国际商学院连续第二年高居榜首,去年该学院首次摘得桂冠。

“The individual sent an email blast to the entire staff.”
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如果不是看作有利可图的投资的话,人们依然喜欢欣赏早期绘画大师的作品,从中获得愉悦。苏富比称,6000人参观了12月5日至9日的早期绘画大师作品拍卖会预展,而6月份的印象派和当代艺术品拍卖会的参观人数为6400人。很多历史悠久的画作的确在低端价位上找到了市场,在12月9日至10日的早期绘画大师作品日间拍卖会上,佳士得和苏富比的售出比例都很高,分别是67%和65%。
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n. (准备好演出的)节目,保留剧目,(计算机的)指令表
谢亚轩估计,11月中国外储下降的大约40%(350亿美元左右)可归因于欧元和其他货币相对于美元走弱的估值影响,而不是资本外流。

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

安娜的工资也就是巴西的最低月薪,仅330美元。因此门票对普通老百姓来说实在过于昂贵。
单词securities 联想记忆:
玛丽亚姆·谢里夫(Maryam Sharif)
中国政府鼓励向中小规模的借款人放贷,其中很多贷款者没有信用纪录。分析师预计,在金融上表现活跃但没有信贷渠道的中国消费者有5亿之多。

Yes, you want to know how to do most of your job. But there are also things you want to be learning; otherwise you are not growing professionally. If you have stopped learning at work, it's time to find a job where you will learn new skills and grow professionally.
Will China's stock market climb back to the 6,000-point mark it reached two years ago? The stock market was at its most bullish back then, but if you ask the same question now, some would cite a global economy still reeling from a recession.

报告提供了对除北京和上海之外的28个国内商业和行政中心城市进行的深入考察。
单词surrogate 联想记忆:
When the federal government shuttered in October, Starbucks (SBUX, Fortune 500)CEO Howard Schultz refused to sit on the sidelines while businesses everywhere suffered. Instead, Schultz wrote a petition calling on his peers to rally together and put pressure on Congress to come to an agreement.
Sohmers表示:“我曾经先后三次申请加入麻省理工学院研究室。我第一次申请的时候是14岁,那时我的父母并不太支持我。但是后来他们发现我在高中里学习并不快乐。于是他们开始慢慢理解了我的想法。现在他们对我的工作非常支持。”在加入麻省理工学院研究室之后,Sohmers终于找到了属于自己的天地。如今已经17岁的Sohmers表示,自己并不后悔放弃学业,进行创业。他表示:“即使我无法改变世界,也会收获一些其他的东西。人们在讨论上学和创业的时候,总是顾虑太多。但是企业是在研究者眼中,你的学历高低并不重要,重要的是你的能力。”
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