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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.

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Many are less than impressed by the cheesy indulgence, with the New York Daily News speaking to one dietitian who blasted the lack of nutritional value in the pizza's most expensive ingredient: the Ecuador-imported gold flakes.

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

一位被录取的学生告诉《哈佛深红报》,这些表情包来自哈佛2021届学生的脸书私聊小组,他们在这个群组里分享一些尖酸刻薄的笑话,“被哈佛录取不代表我们就不能开玩笑”。

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

虽然仿生腿对截肢者来说是巨大的福音,但是它们与人体缺乏真正的神经联系,导致依靠仿生腿走路十分麻烦和劳累。但是去年,西雅图的居民Zac Vawter 安装了世界上第一支思想控制的腿,一种直接接受从他大脑发出信号的仿生肢体。

While Switzerland’s University of St Gallen retains the top spot, French and British business schools, with 24 and 18 programmes respectively, are the backbone of the 2017 FT ranking of 95 programmes around the world. More than half of UK schools move up the ranking, compared with one in France. A third of British schools rise five places, in contrast to the two-thirds of French schools that drop five or more places.
It was in Giambattista Valli’s most recent autumn-winter show, full of puffed-sleeve printed tunics over matching trousers and drop-waisted schoolgirls shifts, and in MaxMara’s ode to Marilyn Monroe’s 1962 photo shoot with George Barris.
欧文的原型叫梅尔·温伯格,事实上,他和情妇被联邦调查局征募,让8名特定官员因受贿被免了职。和电影里一样,温伯格和联邦调查局精心设计骗局,抓了这些腐败政治家现行。温伯格后来真的和一名官员成了朋友,但与电影不同,他的最终豁免协议没有让他想帮助的朋友免受牵连。有些事情,即使是对职业罪犯来说也太过牵强。
Yes. Supply outages and geopolitical risk factors will probably persist, alongside output curbs by global producers. But whether prices can maintain levels at $70 or above is dependent on the willingness of Russia to keep backing a Saudi Arabia-led effort to cut production in the face of growing US shale supply. Other participants in the co-ordinated effort also need to sustain strong compliance with the deal, the incentive of which declines as governments reap the rewards of higher prices.
“谁来支付由此产生的成本呢?”纽约合作公寓和共管公寓委员会(Council of New York Cooperatives and Condominiums)的主席马克·J·卢森堡(Marc J. Luxemburg)表示,“这会给许多楼盘带来真真切切的成本。”
During your early years wasthere anything that inspired or sparked your imagination to start writing theway that you have done so far?

The future is always bright if you are an entrepreneur, and the opportunities to create new ventures based on the digitisation of age-old services has a long way to run.
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WOLF HALL (PBS, April 5) In the season’s most promising piece of casting, Damian Lewis (“Homeland”) will play Henry VIII and the two-time Tony Award winner Mark Rylance will play Thomas Cromwell in this “Masterpiece” adaptation of the popular Hilary Mantel historical novels.
碧昂斯与妮琪·米娜(Nicki Minaj),《完美》(Flawless, Remix),Parkwood/Columbia

James Bond Themes 7. "Nobody Does It Better" by Carly Simon
根据普京最近的一次收入申报,2015年他总计收入大约为890万卢布(约合13.7万美元)。
STONINGTON, CONN.
Top male vocalist: Jason Aldean

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

A new report released just last week confirmed that many of us are still using the word 'password' to access our accounts.
谎言9:对,我在高中足球队里就是个捣蛋鬼!说谎原因:我想让自己在别人的眼里更加闪亮。

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.

1号 what the fuck: “职场辣妈”的新境界
2014年1月,我在达沃斯亲身感受到了这种悲观情绪。几位著名西方学者问我中国和日本之间是否会爆发战争。我非常有信心东亚不会发生战争,以至于我提出以1赔10的赔率与西方知名记者们打赌。两位记者接受了我的赌约。今年1月回到达沃斯时,我将收取他们的赌注。
2. The Hammocraft
badminton;basketball;fencing;Judo;Ping Pang;taekwondo;Tennis;weightlifting;Wrestling;Volleyball;Boxing;Hocky.

这是5年来非合办EMBA项目首次跻身前5名,全球EMBA项目前5名的名次非常稳定。
These countries performed the best overall in the 2017 Best Countries rankings. The rankings aim to gauge global perceptions of the world’s biggest economies.
But economists generally expect the momentum of the recent past to resume and continue once storm distortions abate. The 45 economists who responded to The Wall Street Journal's latest monthly forecasting survey saw the jobless rate falling to 7.8% by next June and 7.5% by the end of 2013. Some say job growth could accelerate from its slow pace. 'I think businesses are going to have to hire,' said Bob Baur, an economist with Principal Global Investors.[qh]

和所有大学生一样,埃文o雷喜欢使用表情符号。但让他恼火的是,没有什么表情符号能够让他向圣母大学的同学表达自己对该校橄榄球队战斗的爱尔兰人的自豪感。于是,他和肖恩o欧布莱恩一起创办了一桩小生意,以弥补这一空白。这款名为TextPride的产品从体育和娱乐世界中获得图像授权,然后将其打包成贴纸出售。比如,在Kik这样的短信应用中,用户可以花1.99美元买一包迪斯尼电影《冰雪奇缘》的贴纸。
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The central bank last year spent more than six months signaling its intent to wean the economy off a third round of bond-buying, and the prospect upset markets at just about every turn. Now it's only in the first stage of that process.
Kay说我很一直很吃惊因为很多人都会告诉他们的同事找工作的事。这是你做的最糟糕的事情之一。理论上说你不能告诉任何同事,但是有时你不得不告诉他们因为想得到他们的引荐。如果那样的话Kay说,你得挑一些值得信任的人,他们不会背后秘密异议也不会口误说出去。
GoldSeek.com的这个标题发出了红色警报。在评估另外20名专家跟踪的20种周期之后,它总结道:“很多周期表明股市的调整或崩溃已经临近……未雨绸缪是很重要的。在‘窗口’关闭之前,你仍有一些时间!”

“有个人在Facebook上公开辞职。”
Wang Chunfa, executive secretary of the China Association for Science and Technology, has expressed deep concern over the retraction, which came just days after he met in Beijing with Arnout Jacobs, the head of Springer Nature for Greater China.
你可能希望分享这些文章的人是出于开玩笑,我也是这么想的。但是我们不能:这个分析指出,通过一个近期的BuzzFeed和Ipsos的公众事务民调显示,75%的美国人(84%的共和党人以及71%的民主党人)很容易就被假新闻的标题所欺骗。这是关于真实性调查、理性思维、扎克伯格的自我意识的梦幻一年。
Mr Ravenscroft believes he would have had a narrower perspective if he had become a management consultant. Teaching also helped him develop a willingness to take risks — the hard way. “If you stand in front of 30 teenagers who won’t hold back when you’re doing something wrong it makes you willing to try things.”

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.

如果你是一个腼腆的人,那么一开始坐在前排可能会让你有点不自在。但是,我向你保证,这是接受老师传授的内容的最好的办法之一。你也可以听得更清楚。不用伸长脖子,你就可以看到黑板上所有的内容。
According to a report by Beijing Statistics Bureau, retail sales of consumer goods in the Chinese capital surpassed 1 trillion yuan ($152 billion) in 2015, up 7.3 percent year on year.
在经过了漫长的海选和五天紧张的半决赛之后,11位候选选手中其中一位成为了第八季英国达人秀2014年的冠军。

The workers, who were part of a crew building a football stadium, were taken in the mainly Shi'ite Habibiya district in northeastern Baghdad.
时间:2009-07-16 编辑:vicki
中国国产3D奇幻/冒险片《捉妖记》2015年7月在国内上映后打破一系列票房纪录,成为2015年中国内地最卖座的电影
实话说没有其他国家能拥有中国那样的优厚研究条件:一个有着长期明确财政支持和庞大国内市场的政府——尽管大部分市场并不自由。市场预计中国国内航空市场将在当前基础上翻四倍,到2036年乘客总数将两倍于美国,达到16亿人次。
Second, McDermott, a career 39.9% three-point shooter, addresses Oklahoma City's biggest roster weakness—a lack of perimeter options around Russell Westbrook—and remains on a bargain rookie deal through the end of next season.

5. How to play poker
Asia and Australia account for 11 of the world's top 20 most expensive cities, with eight from Europe and one from South America, the Economist Intelligence Unit's (EIU) worldwide cost of living index found. No North American cities featured in the top 20.
creative
It's hard enough for NBA defenders to stop Rose, so just imagine how ridiculously hard that must have been back in high school with Rose being nearly the same size that he is now.

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In March, Ford completed its exit from the luxury car market by selling Volvo to China's Geely Automobile for $1.6 billion. Although the sale represents a sharp loss - the company paid $6 billion for the Swedish automaker eleven years ago - Ford posted an annual profit of $2.7 billion in 2009, its first profitable year since 2005. Assisted by the 'Cash for Clunkers' program (not to mention Toyota's accelerator woes), Ford recaptured its position as the nation's largest carmaker in February. Which is why Ford's CEO Alan Mulally can now look abroad, including big markets like India, where it recently introduced the compact Figo.

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

New year’s events can be anticlimactic. Not so in China where stock markets began 2016 with enough excitement to make traders choke on their bubbles: Shanghai stocks dropped 7 per cent on Monday, Shenzhen more than 8 per cent. It could have been worse. A new mechanism that suspends trading after a drop of 7 per cent halted play early — in this instance, by an hour and a half.
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。
In local currency terms exports managed slight growth of 0.6 per cent last month, besting expectations of 0.1 per cent contraction but still down substantially from growth of 5.9 per cent in November. Imports grew 10.8 per cent in renminbi terms, more than double the expected 4.8 per cent but down 2.2 percentage points from the month prior.
米拉·库尼斯继续在各种性感女星排行榜上占据一席之地。

他说:“目前为止,健身追踪器还不属于这类产品。但是下一代可穿戴设备有潜力跨越这个至关重要的里程碑。”
This move works on multiple fronts for the Thunder. First, Gibson helps fill in for the injured Enes Kanter in the short-term and he brings playoff experience, solid rebounding and hard-nosed defense to a possible postseason matchup with the Spurs or Rockets.

Do your customers trust you? Do they know what you do with their data and are they happy with it? This will be a major issue not just for the N.S.A., Microsoft and Google. Nor will Google Glass be the only product to provoke debate. Trust reduces the cost of doing business and those who don't build relationships of trust with their partners, suppliers and customers will feel the pinch.
9.Yeah, I was a badass on my high school football team! – Because I want to be seen by others in an even stronger light than I see myself。
A report on entrepreneurship among Chinese college students published by Renmin University of China revealed an inverse proportion between the level of students' academic degrees and their intentions to start their own businesses.
Wishing you all the blessings of a beautiful New Year season.愿你拥有新年所有美好的祝福。
5. 《在杰克逊高地》(In Jackson Heights)。杰出的弗里德里克·怀斯曼(Frederick Wiseman)带来的三个多小时的新作;这或许可以解释为什么奥斯卡奖的蠢材们再一次没有把他加入候选名单。