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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.

斯坦福大学的Zhenan Baohas 研发出了一种具备超弹性、超耐性和超敏感的材料,能够作为未来发展人工皮肤的基础。以前,人们也研究过生化皮肤,但是Baohas的材料比以前研发出来的更具敏感性。它带有有机转换物质和一层弹性材料,保证它在不被破坏情况下的延展性。另外,这种材料带有一系列的太阳能电池元件,可以自动充电。
我们不希望看到打贸易战,贸易战带不来贸易公平,而且双方都受损。

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

在推特今年转推量最高的10大推文榜中,有3条美国前总统贝拉克·奥巴马的推文,而该国现任总统唐纳德·特朗普的推文却无一上榜。

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

从10年和20年的时间跨度来看,地域和资产类别的多元化已经证明对投资回报和风险管理有益。不幸的是,在12个月内,不一定能看到此种战略的好处。在如今这个140字微博消息和2分钟短视频盛行的时代,投资者不能以长期的表现来判断其投资组合的成败,又有何奇怪?

该报告还指出,那些在经济衰退期间不得已裁减支持型岗位的公司,也会“补充新人,以帮助各部门提高效率,提升生产力水平。”对于求职者而言,这一趋势无疑预示着一个美好的新年。
1. The remote control belongs to me for the whole month.
Bryant is the first player this season with four or fewer points on 14 or more field goal attempts.
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Paris (AFP) - Some 1,400 people living in France have either joined the jihadist cause in Syria and Iraq or are planning to do so, Prime Minister Manuel Valls said Monday.
葡萄牙的成就说明这种转变是可行的,它为各国政府和能源公司提供了一个实实在在的范例,也告诉他们为什么现在应该投资太阳能、风能、波浪能和其他可再生技术。

当野生动物违禁走私商品在美国被查获时,它们会被送往丹佛附近的国家野生动物资源库。特里斯坦?斯宾斯基在这间资料库内拍到了以下物品的照片:用豹子的皮制成的鞋,用斑马蹄制成的灯,海龟头骨,大象脚凳——“人类对其他物种欲望的物证,”瑞秋?努尔在7月的报道中写道。
女王每次都是飞机一停就像子弹一样迅速下飞机。
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8. Trang Islands, Thailand-The islands of Trang, a sleepy province in southeast Thailand, have remained under the radar. Wooden longtail boats can be rented to travel between the islands—and to see the endangered dugongs.

"The autonomous region has invested 4 billion yuan (around 600 million US dollars) to promote industries with local features in poor areas, and relocated 77,000 poor people last year," said Lu Huadong, deputy director with the office.
这是连续第二个周末,委内瑞拉的社会主义政府开放与哥伦比亚长期封闭的边界,星期日上午6点,潜在的顾客们排成长蛇阵,穿过圣安东尼奥德尔塔奇拉整个小镇。有些人租了车,从10小时车程外的城市赶来。
去年,由于俄罗斯经济陷入衰退,总统普京的工资因此缩减10%,但在此之前,普京2014年4月薪资增长逾两倍,约970万卢布。
As the unstoppable Nazi forces roll across Western Europe and the threat of invasion is imminent, and with an unprepared public, a skeptical King, and his own party plotting against him, Churchill must withstand his darkest hour, rally a nation, and attempt to change the course of world history.

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

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A study published in the journal "Clinical Psychological Science" in 2012 showcased the power of self-imagination, which showed the technique could help people with impaired memories, as well as individuals with no memory problems. As with other studies of human memory, the scientists asked participants to remember a list of words related to certain personality traits. The participants were then asked to use a specific strategy to help them recall the words. For example, some participants were asked to remember one personality trait by thinking of a second word that rhymed with the trait. Other participants were asked to remember the definition of the trait while others were asked to engage in "self-referential processing" where they would think about the trait in a personal, self-reflective way.

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.

Now that Chris and his girlfriend, Rose, have reached the meet-the-parents milestone of dating, she invites him for a weekend getaway upstate with Missy and Dean. At first, Chris reads the family's overly accommodating behavior as nervous attempts to deal with their daughter's interracial relationship, but as the weekend progresses, a series of increasingly disturbing discoveries lead him to a truth that he never could have imagined.
关注规模较小和私营制造企业的财新制造业PMI下降,而主要关注规模较大和国有企业的官方制造业PMI指数同期出现上升。这种分歧可能表明,比起规模较大和国营的企业,较小的企业受污染限制和其他监管收紧的冲击更为严重。前者还享受国有银行的优惠待遇。
因为参加了一档电视真人秀节目《Dance Moms》,来自宾夕法尼亚州的12岁明星玛蒂?齐格勒火爆全球,澳大利亚流行歌手希雅的多首歌曲的MV中也有她的身影(图)
上榜的15个在线MBA项目为在职高管们提供了灵活的学习选择,他们在毕业时可以获得与全日制“住读”MBA学员一样的学位。

The show airs on CBS December 4.
IE商学院的在线MBA持续吸引着高素质的学员。其半数校友在入读时为高管级别,为所有上榜学院中比例最高的。该学院的在线MBA学员在毕业3年后的平均年薪最高,为17.9万美元,比薪资排第二位的(巴布森学院(Babson College)奥林商学院(Olin Business School))高出约3万美元。
The fear was over downward mobility and cultural changes; the anger was against immigrants and indifferent elites.

据悉,大多数借款的女性年龄都在19到23岁之间。
The work suits Carlson who has been into singing and musical theater her whole life.

综合考虑,这些事实与战略规划凸显了中国航天工业的认知——为了成为有竞争力的全球飞机制造商,中国需要拓宽行业的广度与深度。在他们掌握了价值链的两端——飞机设计与集成组装后,中国意识到长期处于价值链中游的组装和子系统地位将摧毁他们的航空业。这就是为什么中国雄心勃勃地与波音、空客等飞机制造商以及美国通用电气公司、劳斯莱斯等发动制造商竞争,形式前所未有地激烈。
As a result, his position on the Forbes' ranking dropped 220 spots, leaving him tied with 19 others as the 544th richest person in the world.
Striking a balance may take a while, but working toward this list as a goal for starting your company will make the difference. How an owner feels about progress and how quickly a business can be up and running — and feeding that bottom line — will swiftly feel the impact.

三月四日在好莱坞高地中心Mary J. Blige, Miguel, Gael García Bernal, Andra Day, Natalia LaFourcade, Keala Settle, Sufjan Stevens and Common将会演唱自己的原创歌曲来庆贺第90届奥斯卡。
Yes, it happens. Print all application materials from home, the library, a print shop – anywhere besides your current company's office。
“同为南方的儿子和疯狂的体育迷,我向你脱帽致敬,”前美国总统比尔?克林顿(Bill Clinton)发了一条推特(tweet)回应库克的文章。
According to the study, 75% of consumers are aware of wearable technology (whether as futuristic fashion or new-age tech tool), but only 9% actually have any interest in wearing it. A meager 2% admitted to owning a wearable tech device, most of which consist of fitness trackers and smart watches, according to the study.

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.

Index: 93.6
日本总体排名第五,是亚洲表现最优异的国家。“原动力”排名第五,“前瞻性”排名第一。
有些人则特地请人代劳:

McDonough School of Business at Georgetown University in Washington DC returns to the custom ranking in 15th place after dropping out last year because of a low survey response rate from clients. Only three schools enter the custom ranking for the first time, including London’s Cass Business School in 60th place.
妮诗原来就读于奥顿肖杨树街小学,现在就读于威辛顿女子学校,今年九月会进入奥尔特林厄姆女子语法学校。她与父母尼朗加和施若咪一起生活, 2001年,一家三口从斯里兰卡搬到了曼彻斯特。44岁的父亲尼朗加称赞妮诗在杨树街小学的启蒙老师们功不可没。他说:“我们很早就知道她有天赋,她很小就开始阅读和写字,而且非常擅长数学计算。我们让她做一些有挑战又有趣味的事。作为父母,你不想让孩子的天赋荒废掉,但是在他们的童年时期又需要平衡。她只是一个普通的10岁小孩,真的就像任何其他的10岁小孩。她喜欢阅读、骑车、散步,我们都为她感到骄傲。”
正当整个时尚界都在为拉格菲尔德哀悼,而除了他的众多继承人,他的爱猫邱佩特可能也会继承他的1.5亿英镑财产的一部份。
反对:在某种程度上,《三块广告牌》分裂了美国观众,它赢得最佳影片的希望或许会因此破灭。
On Tuesday, 17-year-old Thomas Sohmers unveiled a new super fast computer server that uses a fraction of the electricity that a normal computer does.He's showing it off at the Open Compute Project (OCP) Summit happening this week in San Francisco.This computer is the first product from Sohmers' startup, REX Computing, created with 52-year-old co-founder and CTO Kurt Keville.

优秀的老板们懂得授权的艺术。我的一位评论家说要沿着线走“他们已经从目前的工作里面抽身”,意味着他们不干涉每一天和每一分的工作流程和程序。本质上,学着去授权给员工去代替微化管理是对员工的一种信任。
坚持依法全面履职。
来自中国、日本、美国、德国、葡萄牙和伊朗等国的1300名选手设计制造了各自的足球机器人。在比赛中,一队里有五名机器人,它们依靠事先设定的程序自主运动,而不能受场外人员操控。
China and its southern neighbour failed to come to an agreement on cross-border trade last month during Vietnamese president Truong Tan Sang's state visit to China, where he met with his counterpart Xi Jiping.

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其中,上海交易所IPO共计26宗,而深圳中小企业板IPO共计15宗,创业板IPO共计20宗。

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

都不是。1772年,一场空前的危机击中了阿姆斯特丹:一家受人尊敬的荷兰投资银团对不列颠东印度公司(British East India Company)股票的投资变成了一场灾难。
Winners: Mavericks
辛塔·努里亚在印度尼西亚开展她的家庭运动。她举办不同宗教信仰者参加的活动,并建立了一个进步伊斯兰女子寄宿学校网络。
Researchers at Google discovered that security questions as a standalone method for recovering access to accounts is not an efficient model.

我们也不希望打贸易战。我们坚持人民币汇率形成机制的改革,保持了人民币汇率在合理均衡水平上的基本稳定。
'I also gave him a very outspoken gay friend, who chides him and says "come on Bond, you're living in the 20th century now not the Middle Ages".

人的身体是十分脆弱的,有些娇弱的器官一旦破坏就永远难以复原。幸运的是,世界各地的研究人员都在研究能替代我们身体部位的生化机械器官。
最差运动员精神奖
Adriana Lima, 35, slipped into a figure-hugging white strapless number. The Brazilian model went for a simple and chic look, tying her locks up and wearing a statement necklace, which was dripping with diamonds.
陆金所是最大的一家。它是中国平安保险(Ping An Insurance)的子公司,平安也是陆金所最大的股东。
Stanford's Zhenan Baohas has developed a super-flexible, super-durable, and super-sensitive material that can be the basis for future synthetic skin. People have tried developing synthetic skin before, but Baohas's material handles touch sensitivity better than any predecessor. It contains organic transistors and a layer of elastic, letting it stretch without taking damage. And it's self-powered—this skin contains a series of elastic solar cells.