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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.

After the success of The Conjuring, Ed Warren and Lorraine Warren are back to kick some ghost butts. Conjuring 2 is based on the Enfield Poltergeist, which is apparently a true event that took place in London in 1977.
Goldie Hawn’s award for best supporting actress in the 1970 film Cactus Flower rests somewhere altogether more zen – in the “India Room” in which she likes to meditate. Hers isn’t the only award to apparently emit good vibes – Russell Crowe’s award for best actor, which he won for his role as the bang-on-trend, leather miniskirt clad Maximus Decimus Meridius in Ridley Scott’s 2000 film Gladiator, is kept in a chicken coop on the actor’s Australian ranch. Crowe apparently thinks it helps the hens lay bigger eggs.

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

威尔·史密斯早年成名,那是上世纪80年代末90年代初,他做嘻哈组合"DJ爵士杰夫&活力王子"的后期成员时。然而,虽然他赚得盆满钵盈,却不善于管理金钱。这真是个老掉牙的故事。名望、金钱扑面而来;却没有远见,空有一堆玩物,最终导致超支。对财产的监管意识与责任感的缺失,让他从富有的顶峰一下跌到破产的边缘。没落之后,他欠政府的退缴税一直没能偿还。

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

supervision

第一架无线电操纵的无人驾驶飞机可追溯到1916年。英国发明家阿奇博尔德·洛设计并试飞了第一架无人遥控飞机。它是为了反攻德国齐柏林飞艇而制作的,在第一次世界大战中参与了对地面攻击的战斗。无人机由木和锡制成,它的机翼用的是其他双翼飞机的较低机翼。总的来说,无人机是有些失败的,因为它的引擎噪音干扰了无线操作。1916年,索普威斯飞松公司也尝试制作无人机,他们将无线电设备放置在无人机的尾部,这样引擎就不会干扰到它的信号。但因一次地面上的意外事故,他们的无人机再未起飞:当洛操作无人机飞到高级军官面前时,他原本计划会在1917年再次试飞无人机。但无人机从卡车的后面发射后,飞了一段时间便因引擎故障而坠毁,差点要了在场的军官的命。
The University of Tokyo (22nd) and Kyoto University (35th) have maintained their positions as the leading universities in Asia.
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中国国家统计局发布的10月份制造业采购经理指数(PMI)降至51.6,比路透(Reuters)调查的经济学家给出的预测中值52要低,离荣枯分界线50更近。
There are merely citizens whose choices not only may, but surely will, change.
农林牧渔和服务业是应届毕业生签约行业中薪资水平较低的行业,月薪分别为3347元和3115元。

首先,Bitstamp遭遇黑客袭击,以及2011年黑客袭击比特币交易平台Mt. Gox(此次黑客袭击要严重得多,其损失当时约合4亿美元),往往被误解为比特币本身存在安全问题。但事实上,这只能表明上述比特币交易平台存在缺陷,而非比特币技术本身存在问题。而最令人激动的,正是比特币背后的底层技术。正如《财富》杂志2015年1月刊《打造未来》系列报道中所写,大部分极为看好比特币、为其大声疾呼的狂热粉丝(包括马克o安德森这样的大牌企业家,也包括花大把时间更新比特币REDDIT页面的开发者和比特币“矿工”),更感兴趣的是能建立在比特币“区块”(该货币基本骨架)上的应用,而非比特币货币体系。两个实体间可通过“区块”安全交换任何形式的价值。
iPhone 8
IE商学院校友在毕业后的薪资平均涨幅方面排在第二位,为39%。在实现目标以及国际流动性方面,该学院排名居首。在职业发展方面,排名第三。“在职业发展方面,攻读在线课程‘前后’确实是有差别的,”该学院的一名校友表示,“读完MBA后,我心中更有方向感了,不仅明白了自己想要达到什么目标,还有为何这么做以及如何达到目标。”
In 2002, Marc Cherry (the creator of Desperate Housewives) was watching the news with his mother in her home. The lead story on the news that day (and many days before) was the Andrea Yates trial. Andrea was on trial for drowning her five children in the bathtub. Marc turned to his mother and asked, "Could you imagine a woman being so desperate that she would murder her own children?"

对爱、丧失与人生意义的沉思。喜欢狗的人与卢·里德(Lou Reed)的歌迷会特别容易受感动(我向双方都承认错误),但是任何有心人都会为安德森女士轻盈的智慧与极为庄重的风趣所打动。
According to a report by Beijing Statistics Bureau, retail sales of consumer goods in the Chinese capital surpassed 1 trillion yuan ($152 billion) in 2015, up 7.3 percent year on year.
We will take comprehensive steps to improve product quality.
诺委会赞扬也门妇女权利倡导者塔瓦库尔?卡门在为也门的妇女权利以及民主与和平的努力过程中发挥了领导作用。

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

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.
事实上,去往俄罗斯有许多可供选择的廉价航班。其国内的西伯利亚大铁路也使得交通十分便利。

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.

中国在朝鲜半岛问题上的立场是明确的、一贯的,坚持实现半岛无核化,坚持维护半岛的和平稳定,坚持通过对话协商解决问题。
还有些人直接就玩消失了:
这项任命是由澳大利亚贸易、旅游与投资部长史蒂文·乔博于2月21日宣布的。中国国家旅游局局长李金早出席了该活动。
But there's little doubt this was also an 'acqui-hire,' in which the person being bought is just as important as the product. D'Aloisio is now working full time in Yahoo!'s London office, and his youth, his energy and his undeniable it-factor have brought the formerly musty tech giant a much-needed injection of cool. Yahoo! CEO Marissa Mayer -who lends the company some of her own it-factor-praises his 'commitment to excellence in design and simplicity' and says she is 'inspired by the creativity and tenacity Nick brings to his work.'

“I thought teaching wasn’t a proper career option. My teacher said I’d need to have a high boredom threshold if I wanted to become a teacher,” he recalls.
教育部也已采取了一些措施,例如取消考试成绩、将作弊行为记入个人档案中。
Airbnb的紧要关头

4.Ask Questions
但当格雷泽给我们带来《皮囊之下》,这部经过他长期酝酿的,由荷兰作家米歇尔·法柏的科幻小说改编的电影时,真是让人惊叹:欢快,不安,大胆。斯嘉丽扮演的外星人藏于人类的皮囊里,穿梭在格拉斯哥街道和商场,不亚于一位一线明星。现实生活中的路人在镜头中完美的展现,而隐身的约翰森面无表情的估算着三个地球人可被利用的热量值。接着演员带着被色诱的人类离开人群,来到她自己的地方:一个神秘的黑暗的洞穴中。在这里,情色恍惚间,人类贡献自己的肉体,被囚禁,被养殖成为食物,谁知道呢,又或许是人类的灵魂。

After IMD in second place, Duke Corporate Education completes the custom programme podium. It is the third year in a row that the US school is in third place, having previously topped this ranking for a record 12 consecutive years to 2014.
A major disruption still could push oil higher, but potential oversupply makes even that less likely. Emerging-market demand once kept supply so tight that any disruptions led to striking price moves, said Ole Hansen, head of commodity strategy at Saxo Bank.
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游戏平台:Xbox One、Xbox 360、PS4、PS3 、PC
BrandZ表示,最具价值品牌的表现超过金融市场,这说明了它们的财务实力和对股东的价值。
“我是一个医生。说实话,一个人的健康首先与吃、喝与空气有关,如果这三样不好,再提什么样的发展都没有用!”
urb城市+an表名词和形容词,“…地方.…人参考:suburb郊区,aub+urb→城市的

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.

Despite the confusion, executive producer Ed Razek has commended the Chinese partners as “wonderful and enthusiastic hosts.”
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第一种是把亚洲视作一个被证明为排斥快速发展的市场,在起飞之前需要重大结构和监管改变。第二种是看到突然出现上行惊喜的可能性。

After exhausting all his options, the practical kid decided to tend to his academic responsibilities, not knowing how long it would take before someone finds him.
Warm greetings and best wishes for the New Year!致以热烈的祝贺和良好的祝福,新年快乐。
If 2017 was the year policymakers began to worry about the growth of the “precariat”, 2018 will be the year they try to do something about it.
德银资产管理公司(Deutsche AM)亚太区被动型资产管理部门主管马尔科?蒙塔纳里(Marco Montanari)也认为,在亚洲ETF市场迈向更高台阶之前,必须从根本上改革分销制度。
“这是一个目标,也是我们想经历的事情”,库里赛后表示。“这将会是一个巨大的成就,因为做一些在联盟历史上还从未发生过的事情,感觉会是非常与众不同的。你永远也不会知道,这种机会是否还会再次来过。在取得这一连串的胜利过程当中,有许多许多的不可掌控的因素,特别是在赛季的开局阶段。”

《宿敌:贝蒂和琼》
中国正考虑出售在政府补贴政策下累积的过剩储备。
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。
今年时装周预计在今年9月14日至18日举行,在此之前,由歌手帕洛玛费斯撰写并由善待动物组织出版的公开信中呼吁伦敦时装周和英国时装协会禁止动物皮草的使用。

2、天津爆炸
该声明称,EPIC绝不容忍任何人的欺骗或者侵犯版权的行为,不管他的年龄有多大。

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

Read about successful businesses. Take in the wealth of knowledge that’s been provided by successful entrepreneurs such as Steve Jobs and the personalities from Shark Tank. A successful business plan does not have to be a book. A 10-page plan is digestible yet long enough to include everything you need to start.
n. 回想,记忆,纪念品
The value created by the service sector rose to 51.6 percent of GDP.
"You can no longer have some countries go first and others come in later, because there is no more time," said Glen P. Peters, a scientist at the Center for International Climate and Environmental Research in Oslo, who helped compile the new numbers. "It needs to be all hands on deck now."

如果你在寻找一个免费的客户关系管理系统,Zoho或许正适合你。为什么呢?因为它提供了集成的可能性。比如只需添加你的API密钥,就可以轻松与JotForm和Unbounce集成。这意味着只需要几秒钟的时间,销售线索就可以自动发送到你的CRM系统。对于一款免费软件来说,这已经非常强大了。
In this May 6, 1998, file photo, Steve Jobs of Apple Computers unveils the the new iMac computer in Cupertino, Calif

在这个越来越为人类所主宰的星球上,我们仍然可以从其他物种身上学习到很多东西。格陵兰鲨鱼可存活400年,是世界上最长寿的脊椎动物,这一发现让人类重新审视自己忙碌的人生。
'Gangnam Style' beat 'Call Me Maybe' as the most trending pop song and 'Skyfall' topped 'Prometheus' as the most enquired about film.
这名法国女星将会和瑞恩·高斯林、迈克尔·法斯宾德、娜塔丽·波特曼共同出演新电影。
Most of those surveyed for the report mentioned that positive impacts of social media include socializing with acquaintances and taking in more information.
这是两部后自语核(post-mumblecore)喜剧,讲述自我认知及其边界的故事。布西内斯克的影片是完美的怪人三角,三条边分别是盖·皮尔斯(Guy Pearce)、寇碧·史莫德斯(Cobie Smulders)和凯文·科利根(Kevin Corrigan),以德克萨斯州奥斯汀怪人们轻松胡混的伪装出现。皮文的影片探索精神病以及日间电视节目的的黑暗疆域。由于克里斯汀·韦格(Kristen Wiig)的精彩演出(她饰演一个名叫爱丽丝·克里格的彩票得主),《欢迎来到我的世界》成了关于美国梦想者的精彩肖像,既令人不安,也鼓舞人心。