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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.

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据《每日经济新闻》报道,这16家上市银行计划向股东返还3562亿元现金分红,与前一年相比减少了83亿元。

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

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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

但随着美国接近实现充分就业,随着通胀向目标水平趋近,“你可以看到收紧政策是有道理的,”他说,“不需要很多就足以改变整个平衡”。

中国人民银行(PBoC)干预外汇市场由来已久,目的是防止过度波动。不过,交易员们表示,自今年8月以来,这种干预已从国内即期市场(覆盖日常交易)扩大至包括香港的离岸人民币市场,以及在岸和离岸期货市场。
在这场新闻发布会上,国家卫生健康委员会负责疾病预防的官员王斌称,中国已经在预防和控制艾滋病方面取得了进展。
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。
It’s ironic that in a country as populous as China, a meme about loneliness would be so popular. This seemingly irrational line has been repeated in every possible permutation, on every possible occasion, e.g. “What big brother is reading not a book, but loneliness.”
曾发明Chapul蟋蟀蛋白棒的创业家帕特o克劳雷通过Bigcommerce来验证产品的早期市场兴趣,积攒市场人气,并且与健康食品商店和超市协商达成交易。虽然该团队有机会能以低得多的价格转至Shopify平台,但最近选择又一次与Bigcommerce续签。“我们认为,短期内我们的增长速度不会超过Bigcommerce,”他说。
不过巴蒂表示,中国大学排名的稳定并不值得担忧。他说:“数十年的持续投资建设以及中国高等教育国际化程度的提高,无疑将使得中国的大学变得越来越好。”

n. 经营方法,行为态度
Without the cut, Hollande would have earned 255,600 euros a year ($274,522), second only to Obama. Now he makes $198,700. Famously, his personal hairdresser makes $132,000 a year.
This story pulls directly from the real Bling Ring gang , whose burglaries racked up $3 million over the span of ten months in 2008. All of the celebrities listed in the movie were real victims of this group, who claim to have been motivated by the "cultural obsession" surrounding celebrities' personal lives. Whatever their motives, the Bling Ring is a good reminder to take a step back from the media every once in a while.
9.你会一直回避你的老板。

是的,州市层级的退休金妨碍了复苏。公司养老金也是一个大问题,它加剧了美国的贫富分化:药品公司麦克森(McKesson)的CEO才当14年的老大,但退休时将有1.59亿美元的退休金,而美国一般打工族的收入已经30年止步不前。
invigorate
Faster growth should also dispel worries about another Fed bogeyman: deflation, or falling prices. "It's impossible to have deflation in an economy growing 3%-plus and adding the most jobs since the 1990s," Baumohl said.
Every year since 2003, Shanghai Ranking Consultancy has been releasing its rankings of the world top 500 universities based on third-party data.

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. 运输,运输系统,运输工具
根据乔治亚工学院2014年的一项研究,运动确实可以开发智力,即使你不喜欢举重训练或者不喜欢健身馆的环境,想改用吃坚果的方式提高记忆力,通过锻炼提高记忆力其实只需要20分钟。在这项实验中,研究人员要求参与者进行20分钟的高强度训练,他们发现,仅仅20分钟就可以让年轻人的“事件记忆”能力(也叫长期记忆力)提高10%。

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.

还有几种汽车品牌名称也跻身榜单前50,包括ferrari(法拉利)和mercedes(梅赛德斯)等等。
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全球重量级的央行家和政府官员周六表示,对一些新兴经济体脆弱性的担忧以及近期金融市场的剧烈波动,应该不会挫伤人们对今年全球经济形势的“谨慎乐观”态度。
乔布斯在苹果平板电脑发布会上展示iPad,2010年1月,旧金山

说到这一点,你要注意的是,不要影响其他的人。没有人想每隔十分钟就听到你提问一次。如果你实在是不懂的话,可以在课后约上老师再讨论。
n. 浪漫的人
2018年特里萨梅(Theresa May)会继续担任英国首相吗

其他两家手机制造商OPPO和vivo的增长率都超过了100%,在2016年分别出货9940万台和7730万台。
胡润在接受路透社采访时表示:“这是一种新型的财富创造方式。”他还表示,中国经济正在缓慢下行,中国必须适应这种方式。

“这可是短期内的大幅跃升:当我还是内政部长时仅有30个案例,今天则是1400。”
“It’s na瘀攀 not to recognize we’re at a pretty serious moment,” said Anthony Crichton-Stuart, director of the London dealer Agnew’s. “There has been a massive taste shift. But when a good old master does come up at auction and it is priced correctly, you do get some excitement.”
立场:为LGBT(指同性恋、双性恋和变性人)群体争取工作权益

New Chinese firms on the list include Vanke, China Railway Engineering Corporation (CREC) and China Taiping Insurance.
3.在戛纳,他们说英语
Best Companies rank: 68
But Moonlight kept pace with it over the course of a marathon four-hour ceremony. Barry Jenkins and Tarell Alvin McCraney won best adapted screenplay, while Mahershala Ali won best supporting actor — the first Oscar for a Muslim American actor.

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.Your Boss Sucks
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'东方之星'船体完全扶正

Just 21 millimeters long, 16 millimeters high, and 4 millimeters thick, the amulet, of which part is missing, has a “raised decoration” on it with a loop at one end that allowed it to be worn on a cord around the neck.
ex出,tend伸-伸出-延长;扩大
据中国电影监察机构日前表示,2016年中国票房总额有望超过2015年的440亿元人民币(折合68亿美元)。
When faced with competition, they may focus less on winning or losing than their Type A counterparts, and more on enjoying the game regardless of winning or losing.
From the beginning, social networks have been effectively walled off from the Internet. The treasure trove of content on Facebook, for instance, doesn't generally show up on Google (GOOG). But does it have to be that way? Wouldn't it be convenient to see Twitter search results automatically displayed alongside a standard Google search, for example? And why, for instance, don't the latest tweets about a restaurant pop up when you're searching Yelp (YELP)? The competing interests of different networks sends this content behind proprietary walls, but a number of tools offer creative ways to bridge the gulf. (Full disclosure: My company has developed one such tool.)

Female founders in Silicon Valley will raise more money next year, as sexual harassment scandals have forced investors to rethink their habit of backing ventures founded by mainly young, white men. Some start-ups founded by men pursued by rumours of unsavoury pasts will not get funding, even if they are a good investment proposition.
“One person had his wife call to tell his boss he was not coming back.”
adj. 毁灭性的,令人震惊的,强有力的
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。

单词consciousness 联想记忆:
调查结果显示,今年大约有9.8%的应届毕业生选择“慢就业”。所谓的“慢就业”是指一些毕业生不着急就业,而是选择旅游、在家陪父母以及继续等待机会自主创业等方式,慢慢考虑人生道路的现象。

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

时间:2010-03-31 编辑:vicki
戴维皮林(David Pilling)
in进入,stitute站,建立-站进去;进入建立的状态-创立
Leila Janah

傲人的财务业绩和令人炫目的新科技,或许已足以让这位钢铁般坚定的苹果首席执行官赢得英国《金融时报》2014年年度人物(Person of the Year)的称号。但库克阐述自己价值观的勇气,同样让他与众不同。
祝来年好运,并取得更大的成就。

E-cigarettes first started becoming popular in 2012. They work by heating a nicotine fluid to mimic a real cigarette. Their invention is usually credited to Chinese pharmacist Hon Lik, who reportedly created it after he dreamed that he was drowning in a cloud of vapor. His father had died of lung cancer caused by cigarettes. He himself was an unrepentant smoker who had unsuccessfully tried quitting by using a nicotine patch.
Although the banks' dividend to shareholders is shrinking, it still accounted for half of the combined dividends of all public companies in China. The banks' earnings also made up 52% of the total profits reported by listed companies last year.
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So many are tuning out. Denial. Truth is, bubbles are everywhere. Ready to blow. The evidence is accelerating, with only one obvious conclusion: Max 98% risk at a flashpoint. This 2014 crash is virtually guaranteed. There's but a narrow 2% chance of dodging this bullet.
Americans: While you're here, why not pretend to be Canadian? Very few Britons can tell the difference, and it will allow you to rescue yourself from awkward conversations about the death penalty.