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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.

They're the top three most unaffordable housing markets in the world, according to the 13th Annual Demographia International Housing Affordability Survey: 2017, published recently.
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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

赫梅尔说,“如果发达经济体的原油需求增加,再加上新兴经济体需求的增多,我认为市场供应将趋紧。”这意味着油价走势图上可能会再度出现多个高峰。

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

内森是少数几位在夜间拍卖会上积极出价的交易商之一。他在佳士得的拍卖会上代表一位客户以50.65万英镑拍下了查尔斯-安东尼·夸佩尔(Charles-Antoine Coypel)1737年的画作《阿米达宫的毁灭》(The Destruction of the Palace of Armida),售价是预估价的两倍。

美国各州对特斯拉大献殷勤,希望在其计划投资50亿美元兴建的大型锂电池工厂选址中胜出。这家工厂有可能解决多达6500人的就业。加利福尼亚州就正在与内华达、亚利桑那、新墨西哥和德克萨斯等州展开竞争,而吸引该厂落户的条件据说是要给予5亿美元的支持。
adj. 忙碌的,使用中的,订婚了的
库尼斯在去年的榜单上排名第九。
美国各州对特斯拉大献殷勤,希望在其计划投资50亿美元兴建的大型锂电池工厂选址中胜出。这家工厂有可能解决多达6500人的就业。加利福尼亚州就正在与内华达、亚利桑那、新墨西哥和德克萨斯等州展开竞争,而吸引该厂落户的条件据说是要给予5亿美元的支持。
完成实践测试
On the a monthly basis prices fell by an average 0.5 per cent.

《泰晤士高等教育》专刊的编辑菲尔·巴蒂说道:“中国采取了强有力的政策,且背后又有雄厚的资金支持,才能打造这些世界一流的大学。2015年,中国就宣布将实施‘卓越计划',计划在2020年之前打造六所可以跻身世界一流行列的高校。”
单词episode 联想记忆:
未来数年时间内,截止2018年,支出将上升至1.3万亿美元。而1000亿美元的丙型肝炎药物支出及同等的癌症治疗费用,还有780亿美元的糖尿病治疗费用都将是构成支出上升的因素。
5.Effective decision makers

《the Post》
我们从中精选了110部新剧和回归剧,又进一步缩减到下面的20部剧(内中没有包括HBO台的《真探》[True Detective],因为它被移到今年晚些时候,亦不包括《权力的游戏》[Game of Thrones]、《副总统》[Veep]和《硅谷》[Silicon Valley],其中《硅谷》将在四月播出第一集,具体日期未宣布)。从《绝命毒师》(Breaking Bad)的衍生剧到《小镇疑云》(Broadchurch)的回归,再到《火线警探》的最终季,冬天真是电视剧迷的好时光。
回归白人占统治地位的社会,实施排外的国民身份认同,这样的事情不太可能发生。移民一旦停止,肯定会损害西方国家的经济;如果大举驱逐已经到达的移民,肯定会引起社会与道德上的损失。那些看似来“插队”的人群其实是在寻觅一个机会,加入到一个长久以来把他们拒之门外的进程中来。
梅根·马克尔

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

n. 名人,名誉,社会名流
不管个人观点如何,不可否认的是,现在存在着支持和反对俄罗斯全球定位的两种观点:

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.

谷歌研究员发现,用安全性问题作为恢复账号登录的唯一方式,并不是那么有效。
but the rate of growth appeared to slow noticeably in a number of top cities.
adj. 在 ... 之前,先,前,以前的
《泰晤士高等教育》专刊的编辑菲尔·巴蒂说道:“中国采取了强有力的政策,且背后又有雄厚的资金支持,才能打造这些世界一流的大学。2015年,中国就宣布将实施‘卓越计划',计划在2020年之前打造六所可以跻身世界一流行列的高校。”

彭博(Bloomberg)软性大宗商品指数上涨21%,工业金属和能源指数则分别上涨24%和1.5%。
She added that because of economic conditions and anti-immigration sentiment in some Western countries, many Chinese students find it difficult to stay in those countries.
007系列电影主题曲第七名:卡莉·西蒙--《没人做得更好》

8. Get Inspired
凸起那部分有个“涡卷饰品”——(古埃及碑上)在王和神的名字周围的椭圆形装饰。考古学家在上面发现有眼镜蛇一只眼的符号。

Wearables typically fall into three categories: complex devices such as fitness trackers; smart accessories such as smart watches, defined by their ability to run third-party applications; and fully autonomous smart wearables that connect directly to the Internet, such as Google’s Glass headset.
1977:“俄罗斯型流感”H1N1感染人类1977: "Russian flu" H1N1 Infects Humans
Sam Smith, 'The Thrill of It All'

当晚的最高价来自唯一的一位欧洲电话出价人。此人以910万英镑购得约翰·康斯特布尔(John Constable)令人钦佩但很难让人喜爱的1824年纵向风景画《水闸》(The Lock)的1825年缩小版,这幅画从1855年起一直由一个英国家族私藏。
PRRI research director Daniel Cox said that some respondents - including 75 percent of non-white Protestants - believe extreme weather is both evidence of end times and the result of climate change.
At the same time, she said, other countries have seen their tourist numbers spike as the currencies weaken.
在线项目比全日制课程更吸引作为高级专业人士的学员。在线MBA学员的平均年龄为34岁,而全日制MBA学员为28岁。此外,在线学员更有可能在课程结束后寻求在现有雇主那里获得升职。全日制MBA毕业生(90%)在毕业3年后多数都跳槽了,但只有约55%的在线毕业生会这样做。

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.

7.戛纳的“女性之年”并走运
这个家庭中心内部有三个摄像头,它能够连接到你的手机,你可以通过手机看冰箱里有什么。所以它基本上是一个6000美元替代用纸笔完成购物清单的替代品。
最近几个月,大宗商品相关行业受到的冲击尤为严重。采矿业全年利润下降23%。石油和石化炼制企业的利润也出现下滑。尽管油价下跌,但很多炼厂仍要接受在油价暴跌之前签订的协议价格,而它们的出厂价格在下跌。

从2015年至2016年,美国ETF市场增长20%,而亚洲市场仅扩大10%。分析师们表示,从两个角度可以看出亚洲ETF市场的规模不及美国和欧洲:后者的市场规模是亚洲的两倍,ETF管理的资产规模为7160亿美元。
Summly发布后,达洛伊西奥获得了苹果(Apple)的称赞,该应用跻身2012年最佳iPhone应用之列。交易完成后,Summly昨天被撤下App Store,此时它的下载量已达近100万次。
上榜的商学院包括来自26个国家的商学院,其中美国有35家,英国有10家,中国有9家。中国人民大学商学院(Renmin University of China School of Business)的排名上升最快,从第43名升至第18名。法国的格勒诺布尔商学院(Grenoble Business School)排名第70名,土耳其的萨班哲大学管理商学院(Sabanci University School of Management)排名第99名,巴西的Coppead排名第100名。
英国大选就是个教训。民调也不过是戛纳的“外卖餐点”:预测是傻瓜才干的事。一整周,坊间盛传托德?海因斯的女同性恋恋爱故事《卡罗尔》将斩获金棕榈最佳影片奖,或者拉斯洛?杰莱斯László Nemes 处女作《索尔的儿子》Son of Saul将折桂。最后几天,共识则是来自台湾的导演侯孝贤(Hou Hsiao-Hsien)指导的《刺客聂隐娘》(The Assassin)将问鼎大奖。且据英国博彩分析,《龙虾》是个难缠的对手。但是,最终宣布雅克?欧迪亚Jacques Audiard's 《流浪的迪潘》Dheepan获奖时,大家一致惊讶表示:“真的吗?”所有的评论员、影评人小组、内部八卦、数据统计、上帝都知道,只是少有人提及罢了。好吧,这就是生活。
Qatar University claimed the most international institution, marking the first time a Middle Eastern university has topped the list.

n. 娱乐
The 2014 ranking of 100 programmes for working senior executives is headed by Trium, runby HEC Paris, the London School of Economics and Stern School of Business at New York University. The top five places continue to be dominated by intercontinental EMBAs.
Joseph Keller、Raymond Goldstein、Patrick Warren和Robin Ball获此殊荣,他们的研究课题是“人类马尾辫中头发的运动及受力平衡”。
美国各州对特斯拉大献殷勤,希望在其计划投资50亿美元兴建的大型锂电池工厂选址中胜出。这家工厂有可能解决多达6500人的就业。加利福尼亚州就正在与内华达、亚利桑那、新墨西哥和德克萨斯等州展开竞争,而吸引该厂落户的条件据说是要给予5亿美元的支持。

泰勒·斯威夫特vs. 凯蒂·佩里
用户说,语音信息的传输速度很快,可以在微信平台上对话。但和微软(Microsoft Corp.)的Skype等免费语音应用不同的是,在微信上还可以另选时间回复别人发来的语音信息。北京微信用户Robin Wang说,我可以决定什么时候回复,以及回不回复。

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

在婴儿出生前治疗出生缺陷
如果你很卖命的工作并且给公司创造了价值,你本应该得到酬谢。如果你的老板在两年之内没有给你涨薪水,去申请吧。如果老板不同意,还考虑什么,走吧。
Full marks to Prince George for giving the patronising high-five of the Canadian prime minister the eye.
corn

《一记耳光》(The Slap),NBC,2月12日播出。乔恩·罗宾·贝茨(Jon Robin Baitz)与丽莎·查罗登科(Lisa Cholodenko)担任制作人,这部剧改编自一部澳大利亚迷你剧,讲述一个后院生日派对失控后带来的后果。演员阵容非常强大,包括彼得·萨斯加德(Peter Sarsgaard)、乌玛·瑟曼(Uma Thurman)、桑迪·牛顿(Thandie Newton)、布莱恩·考克斯(Brian Cox)和梅丽莎·乔治(Melissa George,她也在原剧中出演角色)。
According to the National Business Daily, the 16 listed banks plan to return 356.2 billion yuan to shareholders as cash dividends in 2015, a decrease of 8.3 billion yuan from the previous year.

鉴于她的成功,她再也无法过上平凡人的生活。
3.3 进一步释放国内需求潜力
'If that happens, that will need to be offset by some reduction of production out of Saudi [Arabia],' said Neil Gregson, a fund manager at J.P. Morgan Asset Management who oversees $3.5 billion in natural-resources investments.
'She does wear wigs and crowns and fancy dresses but I don't give her spray tans or cake her in makeup - I'll wait until she's about five for that.'
One of the most discussed potential use cases of the block chain is as a decentralized Uber. Instead of using an app, customers could order a car and pay the driver directly, cutting out the middleman. (Sorry, Travis Kalanick.) The block chain can be utilized for everything from the storage of secure documents (that is, a decentralized Dropbox, too) to “watermarking,” in which a specific coin could contain, say, the deed to your house. “The block chain is going to spawn decades of innovation,” says Ryan Selkis, director of investments at the Digital Currency Group, created by former SecondMarket founder Barry Silbert. “It could lead to things like frictionless share issuance, title transfers, smart contracts. Collectively these things make up the backbone of the economy. If you wanted to create a decentralized Uber, Dropbox, Facebook, you could reinvent the Internet.”