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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.

2013 Rank: 14
《在生前留下的物品中回忆世界上最长寿的人》(Remembering the World’s Oldest Person, in the Objects She Left Behind)

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

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Financial success and dazzling new technology alone might have been enough to earn Apple’s steely chief executive the FT’s vote as the 2014 Person of the Year, but Mr Cook’s brave exposition of his values also sets him apart.
Lee Kong Chian School of Business at the University of Singapore, in 76th place overall, is the first Singaporean business school to enter this ranking, which includes seven Asian institutions. Its alumni are by far the most internationally mobile among this group. They are ranked 25th for mobility, 57 places ahead of the next most mobile alumni, those from the National Sun Yat-Sen University in Taiwan.
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Total Program Cost: $118,000
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Play up being smarter than everyone, develop some obvious insecurities. Forget social skills if you happen to have any.

adj. 相同的,同一的
上周四,中国电影资料馆副馆长张晓光表示,这些电影从来自100个国家的2000多部候选影片中脱颖而出,将于4月8日到23日期间在北京30多个电影院和大学放映。
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不过邱佩特并不只是一只宠物猫,它只参与了两个广告的拍摄就在一年里独自挣得了230多万英镑,其中一个是为日本美容产品植村秀拍摄的,另一个则是为德国汽车公司沃克斯豪尔拍摄的。

“We do things for other reasons than a profit motive, we do things because they are right and just,” Mr Cook growled. Whether in human rights, renewable energy or accessibility for people with special needs, “I don’t think about the bloody ROI,” Mr Cook said, in the same stern, uncompromising tone that Apple employees hope they never have to hear. “Just to be very straightforward with you, if that’s a hard line for you?.?.?.?then you should get out of the stock.”
Format: Classes meet every other week from Friday through Sunday in Evanston, IL, or once a month from Thursday afternoon through Sunday noon in Miami, FL
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他会在自己的独唱专辑中尝试什么样的歌曲呢:《Sweet Creature》(《可爱的人儿》)和《Ever Since New York》(《自从来到纽约》)是温馨的原声抒情歌曲;而在《Kiwi》(《奇异果》)这首歌中,他大声地炫耀着自己的欢乐;《Two Ghosts》(《两只幽灵》)则是一首为分手而惋惜的歌曲。

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

华盛顿:到十月份底,印度减持美国政府债券到775亿美元,尽管作为世界上最大经济体的美国的经济在稳步的上升。
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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.

n. 笔画,击打,一笔(画)连续的动作,中风,
10. Computer systems analyst
The list has four British universities, which are Cambridge, Oxford and London's University College and Imperial College. The University of Tokyo is also included in top 20.
With very best wishes for your happiness in the New Year.

大力促进就业创业。
cap容纳+acity表名词,“有…倾向”→容量;能力
Nineteen buildings disappeared in the space of 10 seconds after being demolished by a controlled explosion in China yesterday.

巴黎是前十名中唯一的欧元区国家,而且下降了3个名次,报告指出这可能是由于对欧元的信心下降。
popul人民+ar…的→流行的

The 16-year-old surnamed Zhou on April 24 poured pesticide into the water dispenser in the classroom, apparently in an act of revenge against classmates who disturbed the class and affected Zhou's studies, the Chongqing Morning Post said.
If a child on the street who has nothing, is willing to share, why are we who have everyting still so greedy? 如果一个孩子在自己一无所有的时候都能愿意分享,为什么拥有一切的大人却如此贪婪?
顾名思义,这个真人秀节目还专门拍摄学生们的母亲,展现母亲如何教育孩子与他人竞争。

面试官也会犯错:
我们不希望通过贬值来增加出口,这不利于企业转型升级。
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'Inside Llewyn Davis' finds the Coen brothers, Joel and Ethan, in a hauntingly somber mood that somehow translates into memorable drama. I think my review should have made it clearer that this elegy for a casualty of pop culture is a special taste; some of it is fairly glum. So much of it, though, gets to something stirring by way of Oscar Isaac's phenomenal performance as a self-defeating folk singer fatefully dedicated to his art.

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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本周二,年仅17岁的Thomas Sohmers推出了一个全新的高速计算机服务器,该计算机功耗极低,该计算机使用了低能耗的ARM处理器,而其所需电量仅为一台普通电脑一小部分。在本周在旧金山举行的Open Compute Project (OCP)大会上,Sohmers展示了这台服务器。这个产品是Sohmers所创办的企业REX所推出的第一个产品,REX的另一位创始人为52岁的Kurt Keville,目前Keville担任公司的CTO。
亚太地区票房增长了13%,是推动国际票房增长的主力,而中国贡献了整个亚太地区近半票房。

This is BBC Sherlock, so your Watson isn’t stupid. He's rather smart in his own way and insecure about his sexuality (probably straight).
美国品牌如Chipotle、德克萨斯仪器公司和通用动力第一次出现在了该榜单上。
我经常生气
该剧在今年暑期播出,受众的是喜欢奇幻浪漫题材的年轻观众。
It was unearthed by archaeologists in 2012 and has since been kept at the Yizheng Museum. It is not shown to the public.

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根据美国海洋和大气管理局的数据,美国本土今年1月至11月的气温是有史以来每年前11个月的最高记录。2012年还将超过1998年,成为美国有记录以来最热的一年。
许多人认为韩国流行音乐产业的崛起是这个整容热潮背后的原因,许多人带着明星的照片来到整形医院,要求仿照明星的鼻型或眼睛来整容。

据称,索尼影业极有可能负责新一集的电影的发行工作,之前,他们也负责了最近两部《007》电影的分销职责。与此同时,与望远镜娱乐关系交好的派拉蒙影业也有可能担当发行公司,目前,这两届公司正联手拍摄《星际迷航2》。
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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

n. 诱惑,引诱
ICBC’s earnings per share were Rmb0.77, down from Rmb0.78 last year, and a pre-tax dividend per share was Rmb0.2333, down from Rmb0.2554.
房价尽管缓慢却持续不断地增长与近期数据走势一致,这些数据显示10月份对房地产投资有所增加,新一轮限购对录得的销售几乎没有任何负面影响。
8. 2012年搞笑诺贝尔奖之流体力学奖

In May 1940, Germany advanced into France, trapping Allied troops on the beaches of Dunkirk. Under air and ground cover from British and French forces, troops were slowly and methodically evacuated from the beach using every serviceable naval and civilian vessel that could be found. At the end of this heroic mission, 330,000 French, British, Belgian and Dutch soldiers were safely evacuated.
Two Chinese universities, University of Hong Kong and University of Macao, squeezed into the top 10 of the world's most international universities in 2016, according to a new list published by Times Higher Education on Thursday.

British statisticians’ unwillingness to correct known errors in the clothing price component of the RPI redistributes many billions every year from students, recent graduates, taxpayers and rail commuters to index-linked UK government bondholders, wealthy pensioners with RPI-linked pensions and rail companies.
上榜理由:食物、文化和恐怖故事
Whatever she needs to invoke the weightlessness of life in our new not-normal, she takes. "Is it the end of an era? Is it the end of America?" she intones in "When the World Was at War We Kept Dancing." "No, it's only the beginning."
节目16 武术《少年中国》,赵文卓 范龙飞 侯英岗
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