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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.

中共中央纪律检查委员会的数据显示,各级纪委还将加强了对党员干部和国家工作人员的管理,去年,新增外逃人员数量由2014年的101人降至仅4人。
人力资源和社会保障部的一位官员称:“根据往年的经验,在报名窗口快关闭时,报名人数会剧增,尤其是在最后三天。”

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

China's Booming Cyberstar Economy Might Hit $8.7b in 2016

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

国有媒体报道称,中国总理李克强表示,2017年中国经济运行好于预期,并预计年度国内生产总值(GDP)增长率为6.9%左右。

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To be sure, that excitement can certainly lead to unrealistic declarations from those in the community. Some bitcoin developers and investors proclaim that within five years, all the major banks will be accepting bitcoin. That’s a stretch, acknowledges Peter Smith, COO of the bitcoin wallet Blockchain (not to be confused with the actual bitcoin block chain). “I hear a lot of predictions about how soon the whole world will be using bitcoin, and most of the time, those are unrealistic,” he says. “What we’re trying to do as an ecosystem is incredibly audacious, so it’s going to take a lot of time.”

她笔下的人物们觉得自己为了登上“美国梦”的山巅,经历了漫长的排队等候,但是上山的队伍放慢了速度,甚至停顿下来了。而那些移民、黑人和其他“外来者”似乎还在插队。
Economists had likewise expected year-to-date urban fixed asset investment, a rough proxy for long-term spending, to remain at September’s level of 8.2 per cent year on year growth.
当你走进来的时候,我对你的认识比你的想象中的多。我在网上寻找关于你的资料,利用我自己的关系网来做面试前的背景调查。
中国保险企业2016年上半年利润出现大幅下滑。

"Last year, 1.2 million Chinese visited Australia. We anticipate this will grow during the China-Australia Year of Tourism and will continue to grow afterward."
adj. 毁灭性的,令人震惊的,强有力的
美国的排放量在经过了最近几年的持续下降后,提高了2.9%。
Every point we think we've reached where James cannot be better than he has been, he then blows past it like a poor center switched onto him. What will be discussed most is his all-encompassing skill, but this is also a testament to the work that James puts in. You can mock all those Instagram videos he puts up, but those are the real reason he's still able to do this; James has never cheated the game, not a day in his life, and the result is incomparable performance night in and night out.

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

中国正考虑出售在政府补贴政策下累积的过剩储备。
老虎要猎食,鸟儿要飞翔;

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.

His strategic shift away from corporate strategy was in spite of the fact that his own school had deterred him from making a career in education, even though he had worked as a private tutor.
同时,调查数据还显示,榜单上前100名的学校,毕业生平均月薪较去年上涨了1818元,涨幅达到22.8%。
Winners: Raptors
You're the best present I ever received.你是我所收到的最好的礼物。

We will ensure workplace safety and people's lives.
波比的父亲,28岁的安顿,承认他一开始对波比的风格路线有所顾虑,不过现在他已经欣然接受这件事了。
No one since Michael Haneke has enjoyed cinematically dissecting social conventions as much as Greek film-maker Yorgos Lanthimos. His The Lobster took Cannes by storm two years ago with its scathing look at a society that turns adults into animals if they cannot find a romantic partner within 45 days – it was our world but pushed toward the outermost limits of groupthink and conformity. Now he’s back with The Killing of a Sacred Deer, a domestic thriller about a surgeon (Colin Farrell) and his wife (Nicole Kidman), also a doctor, who befriends a fatherless teen named Martin. The boy seems determined to expose the family’s secrets and unmask a terrible trauma from their past. Is this film about how domestic (and perhaps societal) tranquility sometimes depends on shared, agreed-upon lies? Either way, prepare to be unnerved. Released November 9 in Denmark, November 16 in Russia and November 30 in China's Hong Kong. (Credit: A24)

007系列电影主题曲第六名:杜兰·杜兰--《雷霆杀机》
This includes ‘qwerty,’ in fourth place, ‘admin,’ in 11th, and ‘login’, in 14th.

Best Companies rank: 63
顺便说一句,伦敦的自行车租赁制度再简单不过了:走到任何一个租车点,刷卡付费就可以带走一辆自行车。当你使用完毕时,把车丢在附近的河里就行。这些自行车都是一次性的!
如果此时打断老师讲课不太合适,你可以快速记下自己的问题,以免忘记,之后再问老师。

The National Basketball Association (NBA) Global Games is to feature two pre-season games in China between the Golden State Warriors and the Minnesota Timberwolves, the NBA announced.
6月28日
Golden State Warriors point guard Stephen Curry said he has visited China every year since 2013 and the fans there are incredibly supportive.
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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.

流行音乐界永远的一号叛逆者夏洛特·艾玛·艾奇逊带着一张出色又令人惊讶的混合专辑回归了。
6. Make a plan.
If the answer is "yes", then maybe you are a Type D personality.

每个员工都想偶尔得到上级的鼓励,优秀的老板们懂得认识和感激员工贡献的重要性。这并不意味着要对员工们作出一定的薪资奖励,而是合理的有意义的表达感激之情。
Recruits are expected to have a decent degree result — a 2.1 or above. While academic credentials are important, Teach First also looks for personal skills such as humility, respect and empathy. Applications to join the scheme outnumber the places available by seven to one.
她说道:“我认为,由于这家公司没有打击盗版或其他恶意修改游戏行为的能力,所以他们把一个14岁的孩子当替罪羊来以儆效尤。”
Age: 33
LeBron James

Former world number one Woods has not won a single tournament since 2013 and missed most of the last year recovering from surgery on his back. However, his name alone continued to bank him millions. He earned pound 31 million from endorsement deals with brands including Nike and Titleist, placing him 12th in the list of top earners.
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本文为与《创业者》杂志的合作内容。下文最初发表于Entrepreneur.com。
The Asia-Pacific is the common home of all countries in the region. China does not want to see any party in the Asia-Pacific region feel compelled to choose sides under the influence of a Cold-War mentality.

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

I think it’s a perfect continuation of my last post of being a football widow and I simply had to share the rules here. I LOVE rule no.6.
在2013年的这次调查中,东京重新获得“全球最贵城市”的头衔。瑞士苏黎士由于汇率波动在去年名列榜首,但今年由于政府采取了控制汇率措施,在榜单上下滑至第七。日本大阪成为全球第二贵的城市。
London Fashion Week will not feature any animal fur clothes or accessories on the runway this year, making it the first fur-free major fashion week.
2010年10年期美国国债收益率年终收盘报:5.0%。

This year, pop's best albums came from strong women who had a lot to say: Lorde's searing look at loneliness, Kesha's raucous statement of liberation, Taylor Swift's reckoning between her self and the version presented in the press.
“If we can identify someone who buys in both places, there is huge value there. You know who they are, what they bought, what they spent,” Harper added. “You can give them a more personalized experience.”

节目28 歌曲《留声2012》①《滴答》(表演者:侃侃、李晨)②《我的歌声里》(表演者:曲婉婷、杜淳)
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The mainstream remains the awkwardly named sector of Massively Multiplayer Online Role Playing Games, or MMORPGs. In October, six out of the 10 most popular online games in China are MMORPG games, according to the report. World of Warcraft by Activision Blizzard, Inc. (ATVI) still tops the list with the most registered players and peak simultaneous online users. But the current government regulatory fighting over its Chinese license, held by Netease.com Inc. (NTES), may yet have a negative impact on the game, according to the report.
The diplomatic row began when Ankara’s foreign minister was denied entry to the Netherlands on Saturday for a campaign rally in favour of Mr Erdogan’s constitutional reforms. Armed Dutch police also intercepted another Turkish minister, Fatma Betul Sayan Kaya, on her way to the rally in Rotterdam and escorted her back to the German border.
据新华社报道,2015年教育部和其他5个中央政府部门一起组成了一个专门工作组,以保障足球在中国学校里的蓬勃发展。