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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.

单词illegal 联想记忆:
其他地方已经出现了这种情况。

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

A retrospective section will include movies produced by the Shanghai studio Wenhua, a company founded in 1946 that ushered a new era of Chinese art-house films, Zhang said, giving viewers "a glimpse of Chinese cinematic culture and history".

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 world got by in 2013 with fewer confidence-shaking moments than in prior years. But the vulnerabilities haven't disappeared. 'It's not a great story anywhere, though it's more hopeful than it has been,' said Jerry Webman, chief economist at OppenheimerFunds.

此类知名大家还包括美国大热导演大卫·林奇以及台湾鬼才电影制片人张艾嘉,他们的作品也在推荐放映列表里。
The retail side, she says, “is nascent and a mixed bag”. All countries in the region have a lot of work to do, she says, adding the Australian example has proven that regulatory changes can make a significant difference to generating pockets of interest.
n. 沼地,极多,回转 n. 大量,许多 v. 使转,扭
阿斯利·埃尔多安(Asli Erdogan)
201212/212620.shtmlChina won the Robot World Cup Soccer 2013 against the Netherlands in a thrilling match that resulted in a 2-3 win for China.The Robot World Cup Soccer was held in Eindhoven, the Netherlands, which defended its Robot World Cup title of last year.
The University of St Gallen’s domination of the Financial Times’ ranking of masters in management courses continues for another year.

Whatever happened to ‘Never complain; never explain' – the unofficial motto of the House of Windsor?
Beck “Say Goodbye” (Capitol)
For years, slow emissions declines in the West have been swamped by rising emissions in the East, and the trend continued in 2013. China's emissions grew 4.2 percent and India's 5.1 percent. Both countries have been constructing coal-burning power plants at a breakneck pace.
随着中国经济结构的演变,富豪榜单也在发生改变。

But there's no escaping Bangkok's allure: a vibrant urban and culinary scene and proximity to some of the world's most beautiful beaches and islands.
Closer to home, fake official data are just as prevalent. The UK’s Office for National Statistics on Tuesday reported that British inflation, measured by its longstanding retail prices index, rose to 4.1 per cent in December. This number is nonsense and the ONS knows it. It tells people the RPI “does not meet the required standard” to be given a quality stamp, yet it has refused since 2012 to take steps to improve the measure and bring it closer to the lower headline measure of 3 per cent.
戈尔迪·霍恩(Goldie Hawn)曾因影片《仙人掌花》(Cactus Flower)获最佳女配角奖,她的奖杯坐落在一个非常富有禅宗气息的地方——她的“印度房间”,她常在这里冥想。她的小金人并不是唯一一个和主人有共鸣的奖杯,罗素-克洛(Russell Crowe)曾在影片《角斗士》(Gladiator)中身着罗马战士裙装,扮演了一个威猛、极具感情和个性的古罗马战士--司令官马克西姆斯,他的奖杯放在鸡舍中,因为克洛相信小金人能够保佑母鸡下出更大的鸡蛋。
n. 疲乏,疲劳,累活

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

“We had to make Steve look like a blue-blooded man of great family wealth,” Mr. Corso said. “There’s a specific look, a definite visual that goes along with that.”
这些包括纳米汽车在内的轻巧设计小得甚至连肉眼都不可见。

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.

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Peace and love for you at New Year from all your students.
生于缅甸皇室的杨金秀于7月31日去世。她拒绝了与生俱来的权利,成了一个女扮男装的军阀和鸦片走私犯。
The China Association of Automobile Manufacturers announced on Friday that passenger car sales totaled 2.2 million units in January, 9.3 percent more than a year earlier, and the production of new-energy vehicles surged by 144 percent.

单词adamant 联想记忆:
他们两个自称拥有着世界上最大的两个粉丝基础。但是周日晚上,在伦敦温布利SSE竞技场上举行的2017年欧洲音乐大奖中,Shawn Mendes夺得桂冠, Taylor Swift在她参选的五个奖项中纷纷落选。
“有1400人出境去参加圣战,加入叙利亚和伊拉克境内的恐怖主义组织。” Valls告诉BFMTV。

根据报道,当地法院鉴于周某的年龄及其坦白承认自己的罪行,最终给予了周某一个宽大的判决。
Last week, Lu was appointed director of the office for Beijing's Leading Group of Promoting Beijing-Tianjin-Hebei Integration Development, a move to accelerate Beijing's moves to coordinate with Tianjin and Hebei province.

中国国产3D奇幻/冒险片《捉妖记》2015年7月在国内上映后打破一系列票房纪录,成为2015年中国内地最卖座的电影
The Veterans Day holiday, which pays tribute to all men and women who have served in the U.S. military, dates back to 1919, when President Woodrow Wilson proclaimed November 11 as Armistice Day to celebrate the end of fighting exactly one year earlier in World War One - "the war to end all wars" - between Germany and the allied nations of Britain, France and the United States. The armistice famously went into effect at "the eleventh hour of the eleventh day of the eleventh month."
但是,当《老友记》第二季浓墨重彩地展现卡罗尔和苏珊的同性恋婚礼时,这个剧集就朝着人人平等的方向迈出了一大步。幕后,执行制片人玛塔·考夫曼说:"国家广播公司预计会接到成千上万的投诉电话和邮件"。然而在这部剧集上映之后,收到的恶意信件却是寥寥无几。原来,大家根本就不在乎。

如今,中国对西方经济体的投资重回正轨,有望在今年再度刷新纪录:今年头六周,中资集团就宣布了700亿美元的潜在交易,尽管这个数字是非常初步的,并不是所有收购最终都能完成。
因为中国严格的政策,该内衣品牌的几位最有名的模特无法出席今年最重要的活动,上周吉吉·哈迪德就在推特上表示她不会出席此次维密秀。
外套。来一套贝达弗的大衣和蓝围巾。一套价值1350英镑的大衣,随时准备迎接人生的精彩时刻。
2014年,尽管汽车销量自2007年以来首次超过1600万辆,但占据媒体头条的还是各类召回事故。在召回舞台上最活跃的是通用汽车公司,由于不断曝出点火开关故障,通用今年已经召回了几百万辆汽车。这家汽车制造商选择勇敢曝光自己的失误,并公开发布了一份自查报告。而日本气囊生产商高田公司却对“气囊门”三缄其口,转而把补救措施留给其深陷困境的客户本田和丰田来实施。有问题的气囊爆炸后,会向驾驶室弹出致命碎片。

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.

促进外贸继续回稳向好。
简言之,无叶风扇就是没有叶片的风扇。它的工作原理是先将空气吸入风扇基座内部,然后通过扇头环形上的洞将空气吹出。这款风扇据说是詹姆斯·戴森发明的,并命名为"气流倍增器"。就像可以飞行的喷气背包一样,无叶风扇被《时代周刊》评为"2009年度伟大发明"之一,同样它也不是世界上第一个无叶风扇。实际上,第一个无叶风扇于1981年被日本的东京芝区电力公司获得专利。尽管东京芝区电力公司的无叶风扇并没有用于生产制造,但詹姆斯的无叶风扇的原始设计与其设计相似,所以专利局拒绝授予詹姆斯这个专利。尽管授予东京芝区电力公司的专利已经过期,但在授予詹姆斯这项新专利之前,专利局需要他提供该设计的创新之处。詹姆斯的经理吉尔·斯密斯并没有否认这两种无叶风扇间的相似性,只是说两者间的差异在于所用"科技"不同。
One of the men even swoops in to give the girl a quick kiss on the cheek. He turns around in mock-embarrassment and gives his friend a hug, while the young woman speaks to her friend in French.

With 10 guesses, an attacker would have a 39% chance of guessing Korean-speaking users' answers to the question "What is your city of birth?"
这是今年最精致的浪漫电影与最尖锐的反浪漫电影,均来自美国电影界最缜密的聪明人。两部影片之间的关系最好用一首威廉·布莱克(William Blake)的诗歌来总结——《土块与卵石》(The Clod and the Pebble)。
去年,外国机器人市场向我国售出103191台机器人,同比增长71.9%。
Coca-Cola cut its sales forecast for this year as it struggles with a consumer slowdown in China, sending the drinks group’s shares down more than 3 per cent.
中国力争达成自己的亚太区协议

10)你是对的:倘若你想引起别人的注意,径自告诉他,他是对的。一旦你交出交谈中的优势地位,对方就更容易接受这一事实:正确的规划或情绪并不总能够战胜我们每天都要面对的荒谬事儿或者种种限制。
“Selling out!” “Pandering to the Americans!” The cries went up immediately when the official selection was announced. The list of directors crossing over to make films in English was a long one including the Italians Matteo Garrone and Paolo Sorrentino, Yorgos Lanthimos of Greece, Norway's Joachim Trier and even Guillaume Nicloux of France, a country whose cultural establishment is highly sensitive to the creeping Anglophone menace. The argument goes that Cannes is supposed to be a haven for world cinema; for English, there is Hollywood. But does it really matter? Films at Cannes in languages other than French or English play with subtitles in both languages – and that's a lot of text to deal with.
The main culprit for the deceleration was food, though food inflation is higher than the overall index. Food prices were up 1.9 per cent in October, down from 2.7 per cent in September and 3.7 per cent in August. Non-food inflation ticked down 0.9 per cent from 1.0 per cent.
几年前,有人发明了一辆会飞的自行车,叫做"Paravelo"。称一辆自行车会飞,并不是开玩笑,而是这辆自行车真的会飞(车头有一个巨大的降落伞)。它在陆地和空中的时速分别为25千米(15英里)和40千米(25英里),可飞至1200米(4000英尺)高空。最棒的地方是什么呢?那就是你不需要有飞行驾照。Paravelo号称世界上第一辆会飞的自行车,但我们必须指出它并不是第一辆会飞的自行车。

中共中央纪律检查委员会表示,中国正准备与其他国家签署更多双边或多边协议,并将加强信息交流和联合调查,尤其是与美国、加拿大和澳大利亚等西方国家在一些重大或独立个案上的合作。
吉尔伯特说:“那些以单打独斗闻名的品牌都开始与意想不到的伙伴合作。如果仔细研究苹果的投资,你会发现这个特殊队伍的成员名单,看起来就像是世界上能想象到的各行各业中最优秀的人才的名人录。”

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

[.beni'fil]
We first see the hair of Anna Morales (Jessica Chastain) during the opening credits of “A Most Violent Year.” She’s at her makeup mirror.
I’m not saying you should blindly accept everything that’s offered to you, it’s okay to take time when considering the pros and cons of an opportunity. But, when you find yourself leaning toward “No,” you owe it to yourself to be sure that you’re turning down the opportunity for a valid reason, not just out of fear.
[?'fekn]

The potential impact of any surprise move in Fed policy was clear in the “taper tantrum” of 2013, when just the suggestion that the Fed might soon rein in its ultra-loose monetary policies was enough to provoke a wave of global panic.
榜单前十名中的其它外国影片为《变形金刚5:最后的骑士》、《摔跤吧!爸爸》、《加勒比海盗5:死无对证》和《金刚:骷髅岛》。

Harvard topped the league table, followed by Massachusetts Institute of Technology and Stanford University.
紧随Fitbit和谷歌眼镜(Google Glass)之后,许多公司开始蜂拥进入这一市场,带来了许多装有感应器的臂章、服饰以及眼镜。这个领域现在炙手可热,但最早使用这些设备的人们似乎都在等待那个时刻,让他们不再显得特立独行。(你知道的,谷歌眼镜的粉丝们现在有了个专门的贬义称呼“Glasshole”。)
你永远都不能把一只狼变成宠物狗。
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。
SETTING: This house is on Modena Island, about 20 miles from downtown Savannah. According to the listing agent, the community is gated and has about 20 houses sited amid live oaks and saltwater marshes. Modena Island is a part of Skidaway Island, which has an oceanography research facility operated by the University of Georgia and a large state park.