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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.

不过,仍有人看涨油市。
So take a look. I sincerely hope you enjoy reading them as much as I liked selecting and editing them.

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

虽然香港、悉尼和温哥华地处全球的不同角落,但是它们有着同一个特征。

Changing minds
这位开国之父指出,选举人团既会防范外国势力想在我们议会中获得不当影响力之心,又会确保总统之位永远不会落到并非具备必要素质的杰出者那种人手里。
charitable
A police raid of an illegal food store in southern China has exposed tonnes of rancid, decades-old chicken feet being 'processed' to be sold to unassuming customers.
Just 21 millimeters long, 16 millimeters high, and 4 millimeters thick, the amulet, of which part is missing, has a “raised decoration” on it with a loop at one end that allowed it to be worn on a cord around the neck.
仪征博物馆的工作人员告诉每日邮报电子报,这件青铜器是在西汉(公元前206年–公元8年)贵族墓中发现的。

3、全面放开二孩政策
benefit
汇丰的报告表示:“总的新业务在以温和的幅度增长,这与10月份没什么不同。然而,11月的数据显示外国需求继续疲软,新增出口业务的扩张幅度是6月份以来最低的。”
卓越雇主排名:1

['striktli]
我只是忍不住希望,随着《广告狂人》的终结,一个时尚阶段也能终结,在这个阶段,设计师们被困于过去的时代,几乎窒息——至少是困在20世纪60年代(不要忘了,60年代初与50年代末非常相似)至70年代初。
4.The Mask Of Zorro
9、《神奇动物在哪里》

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

5.3-D 打印耳朵
tri三+angle角→三角形

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.

Children show “Paper-cutting Flowers” (China Southern Dance School under the China Dancers Association)
杜阿·里帕《杜阿·里帕》
你要去里约看奥运会吗?你会在安卓或者iOS上装谷歌地图这个应用软件吗?我想你已经有了答案了。
But because I can’t help but hope that with the end of “Mad Men” comes the end of a period in fashion that has seen designers become trapped in the past to an almost stifling degree. At least the past as it looked in the 1960s (which in the beginning, let us not forget, looked a lot like the late 1950s) and early ’70s.

The hair creates a resemblance to the look of Michelle Pfeiffer, but Ms. Chastain gives it more of an edge. Kay Georgiou, who frequently styles the hair of Matt Damon and Gwyneth Paltrow for films, oversaw the look.
1=somewhat false
announced

只有公民,而他们的选择不仅可能、而且必然会改变。
Tech giant Tencent's founder Pony Ma topped the list, with a fortune of 279 billion yuan, followed by Alibaba's Jack Ma, and Evergrande Group's Xu Jiayin, with their personal worth reaching 260 billion yuan, and 229 billion yuan, respectively.

Best chances: Sally Hawkins is only a fraction behind current best actress favorite Frances McDormand.
The prize sold for a winning bid of $950,000 at auction, and an additional buyer's commission brought the final sale price to $1.16 million.
"Moreover, most Chinese families only have one child, so many of us return to China because we want to stay close to our family and friends," said a student surnamed Su, who gave up his job in the UK and returned to take care of his mother in China.

7. Amy Adams - $13.5 million
The Nobel Prize in physiology or medicine was awarded to a cellular-level experiment.
今年1月份CPI同比上涨1.8%,去年12月同比上涨为1.6%。不过该指数仍落后于北京方面“3%左右”的目标。
But the statistics bureau attributed the overall rise in CPI chiefly to a base effect resulting from low prices a year prior.

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.

Age: 56
distract
内衣秀以马戏表演开始,包括杂技,吞剑和踩高跷。然后贾斯汀比伯,蕾哈娜和布鲁斯马斯登场。

Talented getaway driver Baby (Ansel Elgort) relies on the beat of his personal soundtrack to be the best in the game. After meeting the woman (Lily James) of his dreams, he sees a chance to ditch his shady lifestyle and make a clean break. Coerced into working for a crime boss (Kevin Spacey), Baby must face the music as a doomed heist threatens his life, love and freedom.
But shipments to other destinations fared far worse, particularly those to re-exporter Hong Kong, which saw the dollar value of exports from China contract 26.3 per cent year on year to $33.84bn. Shipments to EU countries also fell 4.7 per cent to $33.5bn, while those to Japan dropped 5.5 per cent to $11.27bn.
Employment growth exceeded projections.
London Business School has topped the European table for the third year running — but continental rivals lead the European schools in the individual rankings used to compile it.
与此同时,中国12月消费者物价指数(CPI)略升至1.5%,11月为1.4%,为5年低点。

Hailed as one of the greatest films of all time, Taxi Driver tells the story of a depressed ex-Marine who attempts to assassinate a senator after being rejected by a woman he admires. While the titular taxi driver, Travis Bickle, lives a chaotic life filled with drug dealers and prostitutes, his story was never meant to be an unrealistic fantasy. Rather, it meant to expose the very real warning signs of a would-be gunman.
[i'li:g?l]
Most entrepreneurs (78 per cent)used savings or relied on friends and family to raise all or part of their start-up funds. Angel financing was also a source for a quarter of entrepreneurs.
In the annals of climatology, 2014 surpassed 2010 as the warmest year. The 10 warmest years have all occurred since 1997, a reflection of the relentless planetary warming that scientists say is a consequence of human activity and poses profound long-term risks to civilization and nature.

Next year, the mayor’s affordable housing plan, which calls for building or preserving 200,000 units of affordable housing over the next decade, will begin to take shape. It hinges on a policy that requires developers to build affordable housing in exchange for being allowed to construct taller and denser buildings in neighborhoods rezoned by the city. Developers and housing advocates alike are waiting to see what it will look like once the administration adds muscle and flesh to the bones of the proposal.
事实是,韩力不是第一个发明电子烟的人。早在1963年,赫尔伯特·吉尔伯特就制造出了世界上第一个可以用来吸入香烟味儿空气的装置。他最初的发明装置,不用燃烧,也不含尼古丁。他后来设计出了一个用电池去加热的模型,他也用了不同味道的水去制造蒸气。他把他的电子烟模型展示给不同的化工、制药以及烟草公司,但是他们都没有理会他的模型。

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

据德国工商总会的统计数据显示,中国于2016年超越美国,首次成为德国的最大贸易市场。
美联储政策中任何意外举动的潜在影响,在2013年的“缩减恐慌”(taper tantrum)中表露无遗,当时,仅是美联储可能很快缩减其超宽松货币政策力度的暗示就足以引发一波全球恐慌。
一位新浪微博网友写道:“不敢相信这么多医生都在论文中造假。病人还能相信他们可以帮人治病吗?”
v. 扛,肩负,承担,(用肩

A Chinese Poet’s Unusual Path From Isolated Farm Life to Celebrity
亚太地区是地区国家共有的家园,我们不希望、也不愿意看到冷战思维下所谓“选边站队”的事情发生。

"Perhaps it is no big deal whether or not you are in the group discussion, but if you were absent, 670,000 people would be absent, if you were silent, 670,000 people would be silent."
criminal
奥巴马的另两条上榜推文是在他卸任时发布的。
在春运期间,国内的交通运输将面临极大的挑战,车票供小于求。铁路局会采取多种措施来应对春运压力,比如开设临客(L字头的列车)、延长售票时间以及开设更多的售票点。
一座陵墓般的濒危物种仓库。