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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.

除了支持多样性以外,库克还倡导可持续发展和供应链的透明化,包括承诺苹果会减少使用来自冲突地区的矿物。虽然在库克出任首席执行官以前,苹果的供应链在他的管理下已经表现出超高效率,但并不总是值得称道,其工作条件屡遭投诉。
After all, during the last round of collections, the most striking pieces — from Louis Vuitton, Dior, Proenza Schouler, Narciso Rodriguez — had a streamlined momentum that wasn’t dragged down by any decade-related reference, or identity. They were clothes that went striding into the future, freed from the weight of the past.

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

制造业及休闲和酒店服务业应会继续创造就业岗位。美国的工厂是复苏早期的推动者,尽管增长放缓,工厂应该会继续有选择地扩员。继2010年每月增加约9,000个就业岗位之后,今年以来制造业每月增加约1.6万个就业岗位。欧洲、日本和中国经济增长放缓损害了全球贸易流。但最近,更多公司高管开始意识到,在美国制造比在中国等地制造好处更多。与此同时,包括酒店在内的休闲服务业整年都是就业岗位增长的一个可靠来源。[qh]

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

Despite the reported success of the Duke and Duchess of Cambridge's official visit to Canada back in September, timekeeping needs to be looked at for future trips.

Will emerging market GDP growth pass 5 per cent
为什么小皇帝詹姆斯不在双头肌和肩膀上再带那些奇怪的饰物,对此我很好奇。当然,我敢打赌他不会再带那些东西——因为它们没啥用处。
People are still looking at old masters for pleasure, if not as lucrative investments. Sotheby’s said 6,000 people visited its Dec. 5 to 9 viewing, compared with the 6,400 who saw its Impressionist and contemporary sales in June. At the lower end of the price scale, many historic paintings do find a market — Christie’s and Sotheby’s day sales of old master paintings on Dec. 9 and 10 had solid-enough selling rates of 67 and 65 percent apiece.
不管个人观点如何,不可否认的是,现在存在着支持和反对俄罗斯全球定位的两种观点:
It’s wall-to-wall pure pop heaven, crackling with originality and dark humor, teeming with action sequences so perfectly timed and executed you almost want to run out of the theater on the spot so you can call a friend and rave about it — but you wouldn’t dare leave your seat because you wouldn’t want to miss a frame of this brilliant, pulse-quickening gem.
8、《自杀小队》

Sweden’s foreign minister, Margot Wallstrom, a proponent of a “feminist foreign policy,” opened up to Ellen Barry about her abuse at the hands of an old boyfriend when she was a young woman, something she had never said publicly before.
8.Your Boss Sucks
As supporters kept streaming toward the Capitol building, one yelled out, “Today, a new Puerto Rico begins!” to the cheers of others, including those holding U.S. flags.
吕特回应称:“这就是坐在沙发上发推特与治理国家的区别。如果你在治理这个国家,你就得做明智的决定,而驱逐大使是不明智的。”

白意味着属于一个外表、传统、宗教乃至食物都符合默认常规的群体。按照不言而喻的规则,白人意味着是一个长期被称作是“我们”,而不是“他们”中的一份子的人。
这是中国首次占据榜单前三甲以及在前10强中占了5名。中国工商银行连续两年占据第1名的宝座,中国建设银行次之,而且中国农业银行向上移动了5名成为第3名。这三大银行与排在第9名的中国银行一起跻身前10强,中国银行是“四大国有银行”中的另一个成员。
她还表示,从较长期来看,另一个让她担心的“R”是“重置”(reset),她解释称,全球各地的货币和财政政策在回归正常之前还有很长的路要走。她补充称:“最终的重置是那些在全球各地都有必要实施的结构性改革。”
TextPride changed its name to Swyft Media and launched a platform that pushes emojis and stickers from new brands into messaging apps. Brands pay for the privilege, as they would with a regular ad campaign.

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

节目3 歌曲《十二生肖》,王力宏
The drama got 7.2 points on Douban, receiving criticism for having too much romance and too few of Zhou's struggles.

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.

在"踢脚舞"这集中,我们得以看到伊莱恩·薄伯那难以置信的滑稽舞步。简直难以想象没有她这么带感的放克舞蹈,《宋飞正传》会是什么样子。然而,令人震惊的是,那差点就成了现实。编剧之一斯派克·费雷斯滕知道,制作人拉里·戴维一定会反对这场舞戏,所以他只能等到戴维离开之后。当他的这场舞戏终于获得许可,却又遭到不少同事的强烈反对。
China does not want to see a trade war between the US and China. That would not make our trade fairer and cause loss for the both sides.
纽约的无所作为带来两个问题:杰克逊有足够的能量消除他在任时给球队带来的伤害吗?
More than 350,000 gamers from across Europe (and some from North America and Asia) have made the annual pilgrimage to the quaint German city of Cologne, which has a population of just over 1 million. Activision used the convention to debut its multiplayer gameplay for Sledgehammer Games’ Call of Duty: Advanced Warfare, allowing attendees hands-on access to the November 3 release.

● “一男子持枪自拍时不小心把自己JJ射了”
即便这些改进最终会降低长期成本,遵守这条法律可能还是颇具挑战性。此外,2015年是各楼盘停用6号取暖油、改用污染更少的4号油的最后期限。
她解释说:“这一事件牵涉了许多方面,例如环境、能源、工作场所灾难和大国政府职能。它成为了人们焦虑情绪聚集的一个焦点。”

It would be foolish to assume western democracies are immune.
Explaining the choice, the company cited “societal movements toward gender equality and fluidity, the consumer’s increased comfort with using color as a form of expression, a generation that has less concern about being typecast or judged and an open exchange of digital information that has opened our eyes to different approaches to color usage.”

全球化和世界的和平发展合作是一体的、不可分的。
12) I often find myself worrying about something 0 1 2 3 4
vt. 编预算,为 ... 做预算

清华-欧洲工商管理学院的EMBA项目始于2007年,并于2012年进入英国《金融时报》排行榜,首次入围就直接冲至第四名。此后两年,该项目先后排名第二和第三,并最终在今年拔得头筹。
虽然考辛斯喜怒无常的性格和高使用率确实是个麻烦,但是仍然有很多理由做出这个交易:
小牛队老板马克-库班曾下过比这更大的赌注,但是,他尝试换来诺埃尔作为空中接力/护框型球员——像泰森-钱德勒那样,舍弃的东西并不多(贾斯廷-安德森和一次伪第一轮选秀权)。
政府确实管了一些不该管、也不应属于自己管的事情,它束缚了市场主体的手脚,降低了行政效率,甚至影响了政府的公信力。

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.

1. Wal-Mart Stores
This umbrella protects your dogs from the sun and rain.
The cyclical theory depends on a dearth of new investment creating a supply crunch in two, three or five years. A lot of projects are being postponed but postponement is no more than a signal to project managers to find a way of cutting costs. Many are doing exactly that.

He was under the impression people clicking on the adverts would earn him money. But instead he was charged every time someone clicked on the link.
3、全面放开二孩政策
They appeared in high spirits despite losing three-nil to Belgium on Saturday .
Topped with golden leaves and flavored with champagne, the confection was sold for $100 a pop.
12-year-old girl finds ancient Egyptian amulet

Warm hearted wishes for a happy New Year filled with all your favorite things.传统佳节之际,献上殷殷祝福,祝新年万事如意!
Do you often feel gloomy and down in the dumps?
Philippa Langley, a member of the Richard III Society who coordinated and helped fund the search, said she hoped a new image would emerge of the king and "the two-dimensional character devised by the Tudors will be no more".
2.《洛奇》

"The CPI just went up two percent year on year in 2016, less than the three-percent predictive index. It was a moderate inflation, and reflected the price level was effectively controlled and basically stable," said Jin.
Ellen is talented, wonderfully spontaneous, and knows how to entertain a worldwide audience. She’s a big fan of the Oscars; we’re huge fans of hers. It’s a perfect match.

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

17. Most Complex Hurdle As of Dec. 7, seven out of 20 domestic top-grossing movies released this year had female-driven stories, according to the website Box Office Mojo. By contrast, five out of 20 female-driven stories topped the international market, which accounts for some 70 percent of the industry’s revenue. This may look bad, but the numbers appear marginally better than they have in recent years.
'It's all bullshit. It's a lie. It's a Band-Aid lie to make them feel better. I know these people, I know they're lily-livered, and as long as it looks good on the surface, to them, that's enough.'
我们就是要用政府的“痛”换来企业的“顺”,让企业轻装上阵,提高竞争力。
1.Under no circumstances should you ask your taxi driver how excited he is about having the Olympics in London this summer. It's not that he will be reluctant or embarrassed to offer a personal opinion on the matter. That is not the problem at all.

2016年即将上映的电影都是鸿篇巨制,众多佳片能让你一饱眼福。这些影片包括:《蝙蝠侠大战超人:正义黎明》、《美国船长3:内战》、《神奇动物在哪里》、《海底总动员2》、《星球大战:侠盗一号》、《X战警:天启》、《独立日2:复活》、《魔兽世界》以及《自杀小队》等。
[ei'li:t]

Don't lie about your salary. Ever. Even if your employer doesn't tell us (and most do), we'll find out eventually. I've terminated two people for doing that.
n. (准备好演出的)节目,保留剧目,(计算机的)指令表
冲击奖项:自从在特莱瑞德电影节首映以来,奥德曼一直就是最佳男主角奖项的宠儿。
近几年,得益于世界日新月异,就像保护异性夫妻一样, LGBT群体(女同性恋、男同性恋、双性恋、跨性别人士)也会得到同样的权利保障。事实上,如今60%的美国人承认同性婚姻的合法性,如果你问那剩余的40%呢?我们可以告诉你美国的其他地方以及世界的其他地方,例如俄罗斯,很快都会赶上脚步。
I formerly had an Android device (even though I have had a MacBook since 2009 – weird, I know). After switching this summer, I quickly realized the power of iPhone “Reminders.” Each time a reminder is due, your iPhone buzzes and displays a pop-up. You can snooze it or mark as completed. In addition, you can set up recurring reminders, which are perfect for remembering to mail estimated quarterly tax payments, renewing subscriptions, running payroll and other things you tend to forget.