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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.

May the beauty and joy of New Year remain with you throughout the new year!
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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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随着中国经济结构的演变,富豪榜单也在发生改变。
The book reflects growing anxiety in some quarters about the possible negative impact of automation on jobs, from manufacturing to professional services. The subtitle of its UK edition warns of “the threat of mass unemployment” and, in the US edition, foresees “a jobless future”.
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As it happened, the lenders to Seppenwolde never lost a guilder. Within weeks, they had liquidated all the East India shares and had recovered the money they had loaned.

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The hunt for his body began in earnest in 2012 when archaeologists working on historical accounts and geographical clues started to dig beneath the municipal carpark on the spot where Greyfriars was, and found the skeleton.
The show airs on CBS December 4.

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我是一个封闭的人
单词intended 联想记忆:
区块潜力巨大,以至于目前出现了创建更多“侧链”的倡议,尽管该想法存在争议。Chain是一款使创建比特币应用简便化的应用程序接口,该公司首席执行官亚当o卢德温表示:“我们目前并不想干扰主区块。主区块运作良好,我们不想破坏它。”

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

Upgrades to the country's industrial structure in which labor-intensive industries are being moved out of metropolitan areas contributed greatly to the demographic change, Peng Xizhe, dean of the School of Social Development and Public Policy at Shanghai-based Fudan University, told the Global Times on Tuesday.
第二晚(12月9日)的苏富比(Sotheby’s)拍卖会共拍得2260万英镑(含佣金),比佳士得前晚的表现要好得多,不过也只是略高于2180万英镑(不含佣金)的最低估价。44件拍品中有15件流拍,比例达34%。

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.

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adj. 全国流行的 n. (全国或全世界范围流行的)疾
不过,漫长的收缩期也符合正在放缓的中国经济的总体趋势。
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节目18 杂技《冰与火》,赵丽 张权
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。

这是智慧的时代,也是愚蠢的时代……
In 2015, the number of migrant residents living in Shanghai dropped for the first time in the past 15 years, Shanghai Television reported Monday.

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7. Make sure you don’t ask silly questions such as; is this Chelsea versus England?
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.

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9.消防员
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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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7.助听器

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Christmas arrived on schedule for the U.S. auto industry as a spurt of sales put the wrapping on a surprisingly successful year. Analysts predicted that sales in December could hit a seasonally-adjusted rate of 17 million, which would be the first month at that rate in nearly six years. That would push 2013 sales up to a robust 15.7 million units.
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Having said this, don't make a pest of yourself. Nobody wants to hear you ask a question every 10 minutes. If you're completely lost, make an appointment to see your teacher after class.
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Mr Draghi hit back the day after the December vote, saying that there was no “limit” to what eurozone policymakers could do to return inflation to its target.

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

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The Meyerowitz Stories
特朗普说道:"她唯一能做的就是打女人牌。我愿意看到美国能有一位女主席,但希拉里绝对是错误人选,她简直就是一场灾难。"

推特方面日前表示,在今年8月弗吉尼亚州夏洛特维尔爆发种族骚乱后,奥巴马发布的一条推文是今年转推量第2多的推文,转推量达170万次以上。
remembrance
当城市规划部门明年初(2015年——译注)提出初步的建议方案时,布鲁克林的东纽约(East New York)地区将被列为试点。随后,重新区划进程就将在该处全市最穷社区之一内展开。而紧随其后的,将是针对皇后区的西法拉盛(Flushing)的提案。
That calm can sometimes be taken for a lack of the urgency that is vital in the fast-moving tech industry. Many were disappointed that Apple Watch was not made available to buy this year. But analysts say Apple’s approach of waiting until it has perfected a product usually leads to stronger long-term performance. Samsung, whose smartphone sales have suffered this year, is on its sixth-generation smartwatch, but has still not found a real hit.
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