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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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中国官方PMI指数从10月份的50.8跌至11月份的50.3,这是3月份以来的最低读数。高于50的读数表示相关产业处于扩张之中。

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

The 500 brands come from 28 different countries, among which nearly half, 227, are from the US.

n. 运输,运输系统,运输工具
Employees of state-owned firms also expressed more satisfaction with their bonuses than those at private companies – and little wonder, as the average payout at the former was Rmb17,318, or about Rmb6,000 more than what their private-sector counterparts could expect.
Month-on-month producer prices rose 0.7 per cent, up from 0.5 per cent in September.
leakage
n.
此外,华为在2016年最后一季度第一次实现了2位数的全球市场占有率。

最佳女歌手:米兰达·兰伯特
Given the Raptors' existing personnel, the Ibaka/Tucker additions qualify as massive defensive upgrades, giving coach Dwane Casey the tools he will need to grind out postseason wins if Lowry and DeMar DeRozan see their scoring efficiency dip as it has in years past.
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中国科学技术协会书记处书记王春法对撤稿事件表示深切关注,事件发生几天前,他刚在北京与施普林格自然集团大中华地区总裁安诺杰会面沟通。
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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

After months have passed without a culprit in her daughter's murder case, Mildred Hayesmakes a bold move, painting three signs leading into her town with a controversial message directed at William Willoughby, the town's revered chief of police. When his second-in-command Officer Dixon, an immature mother's boy with a penchant for violence, gets involved, the battle between Mildred and Ebbing's law enforcement is only exacerbated.
PC demand has been hit by competition from smartphones and tablets, along with longer lifecycles for PCs. Shipments fell in all regions around the world and have declined for five quarters in a row, according to IDC's figures.

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.

Edgar Wright’s Baby Driver is one of the most entertaining thrill rides of this year, this decade. This century.
2. Lumberjack
The 500 brands come from 28 different countries, among which nearly half, 227, are from the US.
单词popular 联想记忆:

新年英文祝福语大全
根据周一发布的年度调查报告,如今实现澳大利亚梦的成本急剧上升,悉尼和墨尔本超过大多数欧美城市,跻身世界最贵城市前五名。
The very best bosses I’ve seen are passionate about their work; they live and breathe their jobs and strive to do the best work possible. Yet at the same time, they have lives outside of work. They understand the need to balance family and work or play and work. And they set a good example of how to do that for their employees。

Today, the Financial Times reveals the fake gross domestic product data routinely released from many northern Chinese regions. There, solid alternative evidence suggests the authorities have “smoothed” the economic growth figures. They artificially boosted growth figures between 2012 and 2016, masking a real downturn, and last year covered up a genuine recovery.
Striking a balance may take a while, but working toward this list as a goal for starting your company will make the difference. How an owner feels about progress and how quickly a business can be up and running — and feeding that bottom line — will swiftly feel the impact.

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Leading the pack of the best airlines for holiday travel is Hawaiian Airlines, followed by another Pacific Coast-focused carrier, Alaska Airlines. Conversely, the worst airline for holiday travel is New York-based JetBlue Airways, with ExpressJet, a regional carrier, coming in next to last, according to the FlightAware data.
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鉴于她的成功,她再也无法过上平凡人的生活。
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n. 终极,根本,精华

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.

But nearly two-thirds (65 percent) of white evangelical Protestants say they think the storms are evidence of the "end times" as predicted by the Bible.
Having worked with many corporations and companies — large and small — I’ve seen time and time again what works, and what doesn’t。
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Ariel Foxman In Style
There are few chief executive decisions that drew more attention this year than Yahoo(YHOO, Fortune 500) CEO Marissa Mayer's work-from-home ban. The policy was initially seen as highly controversial and had a lot of people upset because of its perceived lack of flexibility.
Private investment for the year ended October was up 2.9 per cent, up 0.4 percentage points, while state investment dropped 1.1 percentage points to 20.5 per cent.
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Maria Rios
I'm only a child yet I know if all the money spent on war was spent on ending poverty and finding environmental answers, what a wonderful place this earth would be! 我只是一个小孩,然而我知道,要是把花在战争上的钱,用在找寻环境问题答案上来,或用在结束贫穷并找到解决的方案上来,这个星球将是个多么美好的地方啊!
苹果推出了新一代iMac 电脑,1998年5月6日,旧金山
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WORST GREETING

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

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2.《洛奇》
韩国全州——在全州的韩屋村,仍保留着几百座传统的韩式房屋。
dealing

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adj. 商业的
intentionally
over $50,000 category, pickups and SUVs distributed through non-premium dealers outsell German luxury brands.
Farewell to Cassini
在讲故事的时候,历史片和故事片各有所长,不过,时不时也会出现无法归入其中任何一类的电影。这些故事十分离奇,但字里行间又透着现实。这些电影非常有趣,观众却常常完全不知道,他们正在看的情节真的发生过。好啦,别猜了!读下去,你就能认识几个好莱坞的古怪剧本,都是受到狗血现实生活的启发。