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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.

有抱负的年轻领导人已经更注重利用自己的影响力,而不是试图凭借其职位或头衔所带来的权威来发号施令。很多人已经拥有了领导经验——不是通过在老牌机构中的晋升,而是通过领导自下而上的运动和志愿组织、或是打造自己的初创公司。
不会。华尔街策略师预测美国政府的10年期借贷成本将在未来一年攀升至3%以上,这话就像尴尬的办公室聚会一样是圣诞节那段时间的固定节目。鉴于美联储退出量化宽松和美国减税,今年的预测看起来更有可能实现。然而,压低通胀和长期债券收益率的长期重大因素依然存在,并且仍然被低估。2018年美联储将至少加息三次,但10年期收益率不会突破3%。

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

adj. 故意的,有意的;打算中的 n. 已订婚者 v.

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

2011年,在《老友记》最后一季播出7年之后,美国卫星电视频道Comedy Central再次播放该剧,观看人数超过了3600万,而观众的年龄主要分布在16岁至34岁之间。假期时,看剧人数更是由于播放集数增加而飙升。

The booming Internet economy now is playing an increasingly important role in supporting wealth growth in China's IT industry.
尽管销量大幅增长让人欢欣雀跃,但它并不是汽车业今年最重大的新闻。底特律先是因为通用汽车公司(General Motors)提拔玛丽?芭拉出任汽车业首位女性首席执行官而欢欣鼓舞;紧接着,福特汽车(Ford)首席执行官艾伦?穆拉利在重回波音公司还是加入微软公司(Microsoft)两者间犹豫不决之际,它又紧张得大气都不敢喘。传统的三巨头抱怨现有产能已挖掘到极限,开始制订扩张和聘用新人的计划。特斯拉公司(Tesla)让电动汽车的销量火了一把,而且不肯按行规出牌;而同时谷歌公司(Google)则在自动汽车研制上一马当先。
但是那数以千计的爱尔兰球迷呢?他们已经失控。
affect+ion→感动→感情;友情
n. 宣言,声明 vi. 发表宣言
In New York it is illegal for anyone to rent out a room in an apartment in a multifamily building for less than 30 days if a tenant is not present. Yet almost weekly, someone writes to Ask Real Estate seeking advice on how to skirt the rules. What if I swap apartments? What if nothing is in writing?

美国时间上周日,乡村音乐界的大牌们齐聚拉斯维加斯,出席2013年乡村音乐学院奖颁奖典礼。
The spread of HIV through drug injections has been effectively controlled. In 2017, the number of people infected through drug abuse was 44.5 percent lower than that in 2012.
Song “The China Style”(Jiuyue Qiji)
The Peoria, Ill.-based maker of heavy equipment authorized $10 billion in stock repurchases in January and expected to buy back $1.7 billion of its shares in the first quarter this year to complete its previous $7.5 billion repurchase initiative. The ongoing buybacks are "a result of our record cash flow," said CEO Doug Oberhelman.

今年年初,所有华尔街经济学家都呼吁提高利率,彭博社就这个问题调查了67位经济学家的意见,他们全票赞同,有鉴于此,任何一个有理性的人都不会想要增持对利率敏感的公用事业股。把赌注押在金融股上的投资者,回报进展缓慢;而瞅准了“低价”能源股的投资者,投资组合业绩在第一和第二季度曾因此推高,却在第三和第四季度被大拖后腿,可谓“成也萧何,败也萧何”。
There’s a (not so) quiet revolution going on under the hoods of today’s cars, trucks and crossovers if the latest list of best engines compiled by the experts at WardsAuto is any indication. Turbocharged, supercharged and diesel engines – and even one electric motor – dominate the 20th annual 10 Best Engines awards, which, according to Wards, “recognize outstanding powertrain achievement, world-class technologies and those rare engines or electric propulsion systems that are so compelling they help sell the vehicle.”
While 221 people fell off the billionaires list this year, 198 people joined the ranks. Twenty-nine from the 2015 list died, while another 29 rejoined the list after having fallen off.
Profits at China’s biggest banks shrank in 2015, as the sector weathered a year of central bank rate cuts and saw an end to easy profits after the government lifted the cap on interest rates on deposits.

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

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大小:6364平方英尺(约591平方米)

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.

The below are 5 companies that stand out from the rest and are startups to watch in 2014.
But what drives the underlying optimism or pessimism? Koudijs, working with Hans-Joachim Voth at the UniversitatPompeuFabra in Barcelona, found surprising answers.
华盛顿暂时的“停战”能否持续?
区块潜力巨大,以至于目前出现了创建更多“侧链”的倡议,尽管该想法存在争议。Chain是一款使创建比特币应用简便化的应用程序接口,该公司首席执行官亚当o卢德温表示:“我们目前并不想干扰主区块。主区块运作良好,我们不想破坏它。”

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%。
输家:尼克斯
The data was released by the National Bureau of Statistics on its website, saying the growth rate rebounded for the first time after a four-year straight drop.

单词intended 联想记忆:
8.Yes Man

adj. 浓缩的;扼要的 vt. 浓缩(condense
13) I am often down in the dumps 0 1 2 3 4
谁都记得几个月前,哈里王子因为媒体对其女友梅格汉·马克尔的猜测而发表了出人意料的公报。

“我头发都白了,一半为了房价,一半为了(你们)记者。”
4. AT&T
17. 最复杂的障碍。根据Box Office Mojo网站统计,截止到12月7日,今年发行的20部票房最高的影片中,有7部是由女性主导的。与之形成对照的是,20部由女性为主导的影片中,有五部在全球票房领先,而海外票房占据了电影业收入的70%。这看上去可能很糟,但是比近年的数据要好一点。
3) I am often irritated 0 1 2 3 4

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.

单词distract 联想记忆:
As fall arrived and school began, D'Aloisio felt immense pressure to deliver for his backers. He needed to whip his algorithm into better shape, so he contracted a team of Israeli coders who specialize in natural language processing. Searching on Google, he found and hired a retired professor living in Thailand who'd written seminal books on the topic. 'He became our main scientist,' says D'Aloisio. 'He now works at Yahoo! in the Sunnyvale office.'
n. 图形,数字,形状; 人物,外形,体型

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毋庸置疑,改造比创造容易。任何曾经对着白纸一筹莫展的人都知道这一点。但是,在过去七年里,时尚界对60年代的普遍模仿至少暴露出,这个行业缺乏想象力——不只是对于服装和消费者缺乏想象力,而且对于文化与服装的关系也缺乏想象力。
champion
[k?n'tinju?s]
较为大胆的律师将开始采用更为“科幻”的程序,这些程序宣称在上法庭前就能预测法律纠纷的结果——通过分析类似案件和过往裁决、反对方策略和胜诉/败诉统计数据、某些律师在某些法官面前的成功率等等。

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安妮-西尔万沙萨尼(Anne-Sylvaine Chassany)
Then why do you go out and do the things you tell us not to do? 你们大人为什么去做与你们教导孩子相反的事情呢?
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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

丽萨斯通
平均工作经验:费城班10年,旧金山班12年
为了缓解人口过多的问题,科学家研究出一项技术,可以将人缩小到只有5英寸高(12.7cm)。保罗(马特?达蒙饰)和妻子奥德丽(克里斯汀?韦格饰)决定把紧巴巴的生活抛在身后,自愿缩身加入一个全新的迷你社区。这一决定使得这对夫妇的人生发生了翻天覆地的变化。
“在古代,库车的名字在中国文学中叫做龟兹,是建立在西域绿洲上的一个非常强大的城邦,研究人员写到。

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If you want a refrigerator with a screen, might as well just stick an iPad on it. Samsung unveiled a smart refrigerator this summer that connects to wi-fi to help manage groceries and leave notes behind for family members.

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也许经济增长率是否能达到3%的国内最大威胁是利率的突然调整,但是从各方面的预测来看鸽派的美联储在2015年不太可能会采用挑衅的利率策略。
Barrymore's condition was based on the real life of Michelle Philpots, who suffered head trauma in two separate motor vehicle accidents, which left her with a 24-hour memory. Rather than using Sandler's tapes, Philpots has survived for over 23 years using Post-it notes and her (amazingly modern, from her perspective) mobile phone.
In 2011, some seven years after the last season of Friends, over 36 million tuned into Comedy Central, a US satellite TV channel, to watch the show. The main demographic for this channel is 16 to 34 year olds, and viewing figures spiked during holidays, when extra episodes are also shown.
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