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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.

Others who made the top ten include Amazon's Jeff Bezos at fifth on the list, Mark Zuckerberg of Facebook at sixth, Oracle's Larry Ellison at seventh, Michael Bloomberg at eighth, and tied for ninth are David and Charles Koch.
其中,人们对越野车的热情不减,大约售出了78.49万台,同比飙涨了60.5%,成为车市的贡献最大者。此外,1月份还售出了26.14万台多用途车辆,比去年同期增长15.9%。

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

除了你的华生,他会觉得这样的你性感极了!

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

《每日经济新闻》引用一位专家的话称,银行业已经经历了一个低利润增长期,并且将持续很长一段时间。该专家表示,在过去的十几年里,银行业每年净利润增长达到35%至40%。但现在每年都不到1%,甚至有的银行都进入亏损状态。

当然,我不是说你应该盲目地接受摆在面前的一切机会,花时间权衡一下利弊是对的。但当你想要说“No”时,你要确信是出于正当的理由,而不是因为心怀恐惧。
n. 所有权
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Soon after the conclusion of the 2016 national post-graduate entrance examination on Sunday, the Ministry of Education was informed of suspected leaks of exam questions.
2013年排名:12
Although Facebook is blocked in China, Tencent has linked WeChat to Facebook, which means that users outside of China can use the service in conjunction with the world's most popular social network. That is a boon for WeChat in Southeast Asian countries like Indonesia, Thailand and the Philippines, which have large numbers of Facebook users. Tencent has offered WeChat in languages for all three markets.
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在可预见的未来,我国会见证第三产业的繁荣发展。该报告称,相关专业,包括法律、新闻传播和管理学,预计将扮演更重要的角色。
由于净利润增长缓慢,我国16家上市银行削减了去年的分红。

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

Employment growth exceeded projections.
这样生意繁忙时,调酒师就能腾出手来多做几杯酒。

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.

Apple tops the list of World's 500 Most Influential Brands for 2016, compiled by New York-based World Brand Lab and released last Monday.
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这也是这座大都市连续第8年保持全国最大消费城市地位。
全球化和世界的和平发展合作是一体的、不可分的。

第三个枪手,Amedy Coulibaly,在周五袭击了一家犹太超市,没有出国接受过培训,Valls说。
愿新年的烛光带给你祥和与喜悦,祝你新年充满爱。
Apple Chief Executive Officer Steve Jobs holds the new " iPad" during the launch of Apple's new tablet computing device in San Francisco, California, in this January 27, 2010

对中国来讲,不发展是最大的风险。我们保持中高速的稳定增长,本身就是在为世界稳定做贡献。
'I thought I was going to sell the app in the Apple store for a pound or two each, and then I'd use the money to buy a new computer,' says D'Aloisio. 'I'd never had any contact from an investor before. And now here's an email supposedly from a Hong Kong billionaire. It sounded dodgy. I didn't respond the first time. They had to email me again.' D'Aloisio was accompanied by his mother and father ('they were a bit bewildered, it was kind of insane') as he took a meeting with Horizons Ventures's representatives in London in August 2011. The meeting ended with D'Aloisio receiving a seed investment of $300,000.

在大选结果公布后,罗姆尼竞选阵营暂时没有发表言论。
These contraptions, including a nano-sized car, are so small that they’re invisible to the human eye.
英国剑桥大学(University of Cambridge)佳奇商学院(Judge Business School)的排名上升5个位次,至第5位。这不仅是该学院首次跻身前5名,而且还是伦敦商学院在这个榜单上首次失去英国最佳商学院这个头衔。

库苏马诺教授认为,这一切都表明,苹果正在加大开放度,包括允许开发者对其iOS软件进行更多定制。
Its selection of Mr Trump neither accords with the votes cast in the election nor reflects judgment of the candidate’s merits, as desired by Alexander Hamilton.
Complying with the law may prove challenging, even if improvements ultimately reduce long-term costs. In addition, 2015 is the deadline for buildings to convert from No. 6 heating oil to No. 4 oil, which is less polluting.
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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.

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墓地主人的身份依然是个迷。这座墓地曾经被盗过,而且墓地中没有任何的文字记录来表明这些死者的名字以及他们的职位。
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The term was first devised by psychologist Johan Denollet from Tilburg University who created a quiz to identify a type D personality.
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美国国际集团(AIG)首席执行长本默切(Robert Benmosche)将当选年度CEO。
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*Guest Actor in a Comedy Series: Peter Scolari, “Girls”

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继续实施积极的财政政策和稳健的货币政策。

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

For: The National Board of Review gave it their best film, actor and actress awards.
4.Thank you so much! I just love it! – Because telling someone that their gift sucked would make me look like an insensitive jerk。
China’s trade with the rest of the world fell sharply in October from a year earlier, with imports of raw materials particularly hard hit as slowing Chinese investment feeds through into weaker demand in the world’s biggest trader of goods.
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当瑞秋·布鲁姆听闻自己赢得喜剧类电视最佳女主角奖项时,喜极而泣。亚马逊节目《丛林中的莫扎特》也意外斩获最佳剧集奖项。
Alumni from the Swiss school also have the third-highest salary, at $114,449, adjusted for purchasing power parity, behind those from the Indian Institute of Management at Ahmedabad, on $116,476, and IIM Bangalore, on $116,094. St Gallen is also top for the quality of its careers service.

在去年11月29日,共计约有93万人参加国家公务员考试,同比下降了60000人。不过,提供的2.7万个招聘岗位则创下了新高。
"Twenty Two" featuring the tales of 22 comfort women became the first Chinese documentary to surpass 100 million yuan at the box office.
n. 宣言,声明 vi. 发表宣言
Search giant Google has replaced iPhone makers Apple to be the world's most valuable company in the Brand Finance's Global 500 2017 report.
Month-on-month producer prices rose 0.7 per cent, up from 0.5 per cent in September.