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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.

Here's a full rundown of the activity—and inactivity—with an eye towards naming this year's trade deadline winners and losers.
Twenty years of global negotiations aimed at slowing the growth of heat-trapping emissions have yielded little progress. However, 2014 saw signs of large-scale political mobilization on the issue, as more than 300,000 people marched in New York City in September, and tens of thousands more took to the streets in other cities around the world.

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

The study relied on a dataset of hundreds of millions of secret answers and millions of account recovery requests.

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

这部20世纪70年代黑色幽默犯罪电影的主角,是诈骗高手欧文·罗森菲尔德和他的情妇西德尼·普鲁塞尔,他们被一名联邦调查局(FBI)干员抓获,然后被迫欺骗腐败的政治家。二人继续与干员、政治家目标以及自己的家人周旋,最终达成豁免协议,得以不受任何刑事指控就脱离苦海。

2015年,中国各大银行的盈利有所萎缩。在这一年里,中国银行业经历了央行的几轮降息,并在中国政府取消存款利率上限之后发现,轻松赚钱的时代结束了。
You'd love to know the balance of forces that shape and move your ponytail, right? That's why Joseph Keller, Raymond Goldstein, Patrick Warren and Robin Ball received this igNOMINIOUS prize!
China's best performances by subject this year come from Tsinghua University, with three top-10 places, and Peking University, with two top-10 places. Tsinghua University finishes eighth in both Architecture/Built Environment and in Engineering (Civil and Structural). Tsinghua comes in 10th place in the world's Materials Science subject rankings.
艾伦非常有才,主持也自然,她知道如何调动世界范围内的观众的心绪。她是奥斯卡的铁杆粉丝,而我们也是她的庞大粉丝团。真是完美的契合。
2.别迷恋哥,哥只是个传说。
上榜的12所美国学院平均而言是性别比例最为平衡的,女性学员比例为48%。

"The articles were submitted with reviewer suggestions, which had real researcher names but fabricated email addresses," Peter Butler, editorial director for cell biology and biochemistry at Springer Nature, told Shanghai-based news website The Paper.
单词accomplished 联想记忆:
5. Repeats & highlights are as good as the main match, so am gonna watch them.
9. 《大空头》(The Big Short)。亚当·麦凯(Adam McKay)把影片处理为喜剧,但在他以笑声轰炸屏幕的同时,也表明他对这场2008年经济崩溃的呈现是一场让人心碎的美国悲剧。

4. Your co-worker blabbed。
在苹果(Apple)的蒂姆库克(Tim Cook)支持AR后,该技术可能是更大的机遇。苹果最新操作系统及新款手机iPhone X纳入了AR技术。
The questions New Yorkers ask the column are dictated not only by their individual circumstances but also by the larger issues of the day, like rising housing costs, gentrification and shoddy construction. In the end, 2014 was a year of things going up — home prices, rents and, above all, buildings, with 16,700 units approved for construction through October, according to the Real Estate Board of New York.
One such development is 60 Water Street in Dumbo, a 290-unit rental with a 24-hour concierge and a roof deck offering Manhattan views. Leasing begins next month, with rent for a two-bedroom starting at a jaw-dropping $6,018 a month. “People want that condo-like living, even though they’re renting and not owning,” said Jodi Ann Stasse, the managing director of new developments for Citi Habitats.

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

It set minimum prices too high for commodities including cotton, sugar and corn, and as those prices diverged from the market prices, authorities encouraged excessive production as well as strong import flows.
2016的很多电影都会有很好的票房号召力,但人们迫不及待想要观看的其实只有那么几部。

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.

然而,克普克认为,美国利率在引发新兴市场危机方面的作用未被充分认识。他提供的证据表明,如果以下三种情况同时出现的话——处于美联储紧缩周期,联邦基金利率高于自然利率(导致实际产出趋近潜在产出的利率),以及美联储将比先前预期更快收紧政策的信号让市场参与者感到惊讶——新兴市场爆发危机的几率会大大增加。
10.自拍杆
In response, Mr Wilders labelled Mr Rutte a liar, citing the prime minister’s broken pledge not to support a bailout of Greece during the 2012 election.
The Caixin-sponsored series is based on a much smaller sample of private companies than the official PMI reading, which focuses on larger state enterprises, and tends to be more volatile.

36岁的阿德里亚娜·利马排在第四位,其收入为1050万美元,初为人母的罗西·亨廷顿-怀特利(950万美元)与25岁的卡莉·克劳斯(900万美元)分别位列榜单的第六位和第七位。
8.Kate Upton
实话说没有其他国家能拥有中国那样的优厚研究条件:一个有着长期明确财政支持和庞大国内市场的政府——尽管大部分市场并不自由。市场预计中国国内航空市场将在当前基础上翻四倍,到2036年乘客总数将两倍于美国,达到16亿人次。

It seems safe to predict lots more noise and very little progress for the rest of 2017. And that will continue to be a damaging combination for business and the UK economy.
今年上榜的中国品牌有36个,其中8个进入前100名,包括国家电网(36)、中国工商银行(40)、腾讯(43)、央视(62)、海尔(76)、中国移动(79)、华为(81)和联想(90)。

一些银行仍然给予股东高额回报。中国招商银行十分“大方”,其分红占净利润的30.16%。
Sales & Marketing
不会。结束罗伯特穆加贝(Robert Mugabe)长达37年的执政(军方在这件事上也帮了点忙)后,埃默森姆南加古瓦(Emmerson Mnangagwa)承诺在2018年举行自由选举。这引出了一个问题:他可能会输掉大选。他至少要装作选举是公平的,因为他需要政治献金来扭转经济。这将意味着要推行选举改革——可能会让其不受欢迎的非洲民族联盟-爱国阵线(Zanu-PF)输掉选举。即使姆南加古瓦准备好在选举中赌一把,还不清楚军方愿不愿意。已经把自己的人推上台的津巴布韦将军们,不太可能会容许公众再把他踢下去。

2013 Rank: 14
affection
补救办法:当我们在做出重大决定时,例如接受(或拒绝)工作邀请时,我们往往会受到信息性偏见的影响。如果我们认为自己做出了正确的选择,就首先会想到那些支持这种想法的信息。但如果我们担心自己犯了错误,我们的潜意识就会增强这种直觉。在做出工作的决定时,如果你习惯性地怀疑自己的能力,这个问题不在于你以前所做的职业选择是否正确,而在于你需要建立自信,相信自己有能力选择让自己满意的职业,并对结果有一定的把握。若要解决这个问题,需要回忆你在做出这个选择时所处的环境和当时你所优先考虑的因素,然后看看现在所处的环境和优先考虑的因素是否发生了变化。此外还要与职业顾问合作,理清工作决策,帮助你增强进入新领域的信心、承担风险和谈判的能力。
2016年全国硕士研究生招生考试周日结束后不久,教育部即接到考研试题泄露的举报。

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 Gitanjali's portable invention allows a sensor linked to a mobile app to give an accurate, almost immediate analysis.
Mr Li said the economy’s strength came as a result of the government shunning strong stimulus policies and its push for supply-side reforms.
In addition, the top-ranking cities typically performed poorly in costs and culture and lifestyle. China's "cities of opportunity" continue to face challenges when it comes to building cities that satisfy the needs of the populace and provide a high quality of life.

1)Thank You: Common courtesy? Sure. But tell me this: When was the last time you forgot (or rejected) gratitude? Whether given in private or public, a sincere ‘thanks’ creates goodwill. Don’t forget your mother’s advice: “Say please.” People are always happier doing a favor than taking an order.
Tommy Wiseau and Greg Sestero become friends after meeting each other in an acting class in San Francisco. Hoping to achieve Hollywood stardom, Sestero moves to Los Angeles and signs on to appear in his buddy's project. Financed with his own money, Wiseau writes, directs and stars in "The Room," a critically maligned movie that becomes a cult classic.
Accounting and finance grads will be in demand too, the poll says. Note to college students already looking ahead to the summer: 52% of employers in the survey said they prefer to hire graduates with internship experience.
4) I often feel inhibited in social interactions 0 1 2 3 4
According to the index, tourists are "spending overwhelmingly" to shop -- and not to dine -- in the top 20 destinations outside of Europe, despite many of them being world-famous cuisine capitals.

泰勒·斯威夫特和凯蒂·佩里选择了两种样式完全不同的极为诱人的礼服。泰勒选择了一款能够展现她修长身材的传统好莱坞式、迷人的古希腊风格的露背礼服,而凯蒂则穿着一件更短的、更有活力的礼服,每个地方都露了一点。
佐治亚州萨凡纳市(SAVANNAH, GA.)
报告指出,大连万达集团主席王健林以321亿美元的个人财富荣登榜首,而马云的个人财富在2015年上涨了41%。
国家新闻出版广电总局官员表示,中国电影业在2016年经济发展“新常态”下保持了稳定的发展势头。

这些,都只是纽约人2015年将会遇到的部分问题。而且,邻居家的儿子在圣诞节收到了新的爵士鼓,你又免不了要头疼了……
Comic skit “Happiness Of Today II” (Shen Teng, Ma Li etc)

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

这两个人站在后台两端,熟记奖项得主名字,以省去写下名单的麻烦。从以往看,他们都做了细致的检查,以确保准确地填装了信封。据信,按要求,瑞兹和卡利南要随着颁奖典礼的进行毁掉两张相同的卡片。所以,到颁最佳影片奖时,应该只剩下两只最佳影片奖信封。
今年领跑美国股市的标普500公司的行业组合有些奇特,出现了一些令人意想不到的黑马。就算基金经理预见到了医疗保健行业今年将上涨27%,难道他们也能猜到公用事业行业将位列第二,上涨23%?不大可能。
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。
如果反弹幅度小、时间短,那么显然结构性变化已经开始了。我希望,过多投资于大成本项目的公司以及仍然高度依赖于油气收入的国家对此做好了准备。

“世界各地的政策制定者认识到美联储的决定将产生什么影响,为此忧心忡忡,这让我们担心,”百达资产管理公司(Pictet Asset Management)全球新兴债券部门主管Simon Lue-Fong表示。“人们在说美联储的决定已被反映到价格上,但既然没人知道究竟会发生什么,这怎么可能呢。”
你感到抓狂是对的。公司无时无刻不在监视着你。无论你做什么都有记录:你打的每个电话,发的每条短信,每条在推特上发的帖子和讯息。在大部分公司,这些记录可永远不会删除(这吓人的吧,真可怕~)

v. 改革,改造,革新
节目4 小品《我要上春晚》,周炜 刘大成 石头 张尧等
7. “飞翔莲花”(Flying Lotus),《你死了》(You’re Dead), Warp。新融合乐绝不会对旧融合乐说抱歉,这只是升级而已。身为制作人的“飞翔莲花”既注重延续性,也注重破坏、模糊之美与跳跃剪辑的喧闹。他对死亡的组曲式沉思为不虔敬的智慧留出空间,《永远不能抓住我》(Never Catch Me)这首歌的歌词由肯德里克·拉玛(Kendrick Lamar)创作,堪称年度最佳。
China's movie box office revenue grew 9 percent to $8.9 billion (RMB 60.98 billion) in 2018.
1、拖延