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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.

n. 宪章,特许,(船、机、车等的)租赁
The movies were selected from more than 2,000 titles from 100 countries and will be screened in 30 cinemas and colleges around Beijing from April 8 to April 23, Zhang Xiaoguang, deputy head of China Film Archive, said last Thursday.

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

安娜的工资也就是巴西的最低月薪,仅330美元。因此门票对普通老百姓来说实在过于昂贵。

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

Drama Series: “Game of Thrones” (HBO)

《东方快车谋杀案》
Mr Baweja’s extensive analysis on the changing nature of globalisation suggests the prime factor behind the weakness of global trade growth (which for a long time expanded at twice the rate of global GDP) has been a slowdown in investment.
“当我刚开始创业的时候,布鲁克林还是个替代选项;而现在,它已经成为一个优选地段了,”霍尔斯特德房地产公司(Halstead Property)的首席执行官黛安娜·M·拉米雷斯(Diane M. Ramirez)说,“我看到皇后区(Queens)正在朝这个方向发展,布朗克斯(Bronx)也不远了。”
开发商:Dontnod Entertainment、Square Enix
而中国喜剧片《羞羞的铁拳》目前已在全球获得3.26亿美元的巨额收益。
With assets under management of $200bn, according to Nomura Securities, Japan’s ETF market is about $50bn larger than all other Asia-Pacific ETF markets put together. At the end of August, the market value of the BOJ’s ETF holdings was $175bn.

Company: Samasource
The 2018 Academic Ranking of World Universities released last Wednesday by Shanghai Ranking Consultancy reveals that 62 research universities in China have made their list of the world's top 500 universities.
公众宗教研究机构与宗教新闻通讯社联合开展的这项调查显示,不同政治派别和不同宗教信仰的人们对于恶劣天气的观念存在分歧,今年已经发生了多起严重的高温和干旱灾害。
4.Virtual Assistant: 17.6 percent increase

According to figures from Zhonggong Education, an institute that monitors the applicant numbers, more than 459,600 people applied to take the exam by the sixth day of this year's application window on Tuesday. Almost 103,000 of those had applied on Monday.
习主席讲会同300名智囊官员一起制定新的改革方案并协同省级政府制定增长目标。关于刺激增长的细节方案将会逐渐制定出来,并在中国迅速执行。我们认为明年中国的三线四线城市的市场增长速度会快于一线二线城市的增长。
The research comes at a time of increasing anti-China rhetoric in US politics, and ahead of three politically sensitive anti-dumping cases this summer against Chinese steel imports that could result in the US imposing punitive duties of as much as 500 per cent.
The people of both countries have the wisdom to properly manage their differences, there is a need and there are also conditions for us to continue to expand our common interests.

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

Mr Yao, 46, is based in the southern Chinese city of Shenzhen and first made his fortune in real estate. But it was his Baoneng Group’s foray into insurance and subsequent raid on Vanke, a cross-city property rival, that fuelled the estimated ninefold increase in his net worth in the space of a year.
The future is always bright if you are an entrepreneur, and the opportunities to create new ventures based on the digitisation of age-old services has a long way to run.

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.

感恩节当天,沃尔玛、塔吉特(Target)和Kmart等美国大型零售商都开门营业,以便借假日购物旺季大赚一笔。今年,沃尔玛开始营业的时间甚至比去年早了两个小时。但好市多拒绝加入“黑色星期五狂欢”,感恩节并没有开门营业。首席执行官克雷格杰利内克认为,给员工放一天假比提高公司利润更加重要。
2. Luminous Intimacy: The Cinema of Nathaniel Dorsky and Jerome Hiler All praise and many deep-felt thanks to the New York Film Festival for programming this sublime dual retrospective.
BROAD CITY (Comedy Central, Jan. 14) Ilana Glazer and Abbi Jacobson return for a second season of satirizing the poses, compromises and sheer physical grossness of life in New York when you’re underemployed and self-absorbed.
麦肯锡将于3月宣布当选者,预计此人将对麦肯锡的发展方向产生重大影响。一些内部人士倾向于那些在快速增长领域(比如数据分析)具备专长的候选人,而其他人想要一位可以维护公司品牌的传统主义者。

Rouslan Krechetnikov和Hans Mayer对液体的溅出现象进行了研究。他们考察的课题是:人们在端着咖啡杯走动时咖啡的溅出情况,给你个提示吧,在你走到第七步至第十步之间,咖啡最容易溅出。
Remember, no one is ever perfectly prepared for every situation. You’ve probably discovered this by now. Your education gave you a foundation for the job, but growth happens in the trenches. Maybe you motivated your team not just to meet the new deadline, but to deliver extraordinary work. Perhaps you realized you had more poise than you ever expected in a client situation. Or, you suddenly discovered that you can capitalize on the relationships you’ve built and become a “rainmaker” for your organization. Before you can learn any of these things, you have to learn to say “Yes.” It’s okay to acknowledge the butterflies in your stomach; however, it’s not okay to let them stifle your growth.
Release date: 2015

6. 米兰达?可儿
n. 高兴;快活

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。
节目26 相声剧《搭把手不孤独》,冯巩 郭冬临 闫学晶
As China clears the way forfreer markets and increased foreign participation, fortifies the infrastructureof its burgeoning cities, and creates the social conditions for middle classfamilies to grow in size, confidence, and spending power, watch for continuedgrowth in the world’s second biggest economy in 2014 and beyond.

中国财富榜每年的变化反映了中国资本的流动,显示了这个国家超级富豪的金融实力。
这名43岁的女子被判处为期12个月的行为考察,并且不得再次拥有宠物。
['triti]
['autreid?]

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.

Adriana Lima sizzled in red, while Alessandra Ambrosio looked amazing just months after giving birth.
How are your competitors getting found online? Google Adwords Keyword Planner helps you answer this question. The word “Adwords” may give some ‘treps pause, as it sounds like you will have to purchase advertising. Not true. Google has made its Keyword Planner tool available to anyone with a Google account (you must first click through the Adwords entry portal). Use the Adwords Keyword Planner to see what keywords are generating the most search volume in your niche and identify opportunities to capture traffic.
The latest commerce ministry figures do not include real estate purchases by individuals, many of whom exploit loopholes in China's capital control regime to obtain foreign currency. But the foreign exchange regulator has recently moved to close such loopholes, notably by tightening control of forex purchases by individuals, who are allowed to exchange $50,000 worth of renminbi for foreign currency each year.

Another slowdown in food prices pulled Chinese inflation lower in October, according to the National Bureau of Statistics.
单词associate 联想记忆:
室内环境:这栋砖砌结构、灰泥粉饰并铺着瓷砖屋顶的两层楼房屋由Dorr & Dorr公司设计,于1916年完工,近15年内曾经翻修。该房屋采用了半牧场、半工匠艺术的设计风格,运用了简洁的线条、开敞式空间、典雅的木制品和彩色玻璃等设计。翻修工程由明尼阿波利斯市Sala建筑公司的约瑟夫·麦茨勒(Joseph Metzler)完成。
In the foreseeable future, China will see the boom of enterprises in tertiary industry. Related majors, including law, journalism and communication, and management, are expected to play a bigger role, according to the report.
《雷神3:诸神黄昏》的搞笑程度远远超出你的想象。这都要感谢杰夫?戈德布卢姆与塔伊加?维迪提两位天才的合作。维迪提不仅是本片导演,他还在电影中饰演了一个极其真诚的石头人战士Korg。

sen年老+ior表形容词,“较…的”→年长的
节目33 歌曲《我爱你中国》,汪峰
委内瑞拉政府一年前关闭了所有边境口岸,以打击长达1378英里(2219公里)边境沿线的走私活动。政府抱怨说,正是因为投机者在委内瑞拉购买了补贴的食品和汽油,并将他们带到哥伦比亚高价出售造成的短缺。
Despite the huge production, the focus was on the 40 gorgeous models who walked the runway.

Actuaries put a financial value on risk for instance, the chances of a hurricane destroying a beachfront home or the long-term liabilities of a pension system. In a world awash with risks of the natural and manmade variety, the profession is booming, says Tony Lee, publisher of CareerCast.com. In addition, he says, 'there's a severe shortage of actuaries, ' so wages are rising. (The median salary for actuaries in 2010 was $87, 650, according to the Labor Department.)
库克的缺乏表现欲,并不总被视为一种优点。

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

polish
The Baltic Dry index, a measure of the trade in bulk commodities, has been touching historic lows. China, which in 2014 overtook the US as the biggest trading nation, this month reported double-digit falls in both exports and imports in January. In Brazil, which is experiencing its worst recession in more than a century, imports from China have collapsed.
One suggested change: require rent-stabilized tenants to verify their income.
戈尔迪·霍恩(Goldie Hawn)曾因影片《仙人掌花》(Cactus Flower)获最佳女配角奖,她的奖杯坐落在一个非常富有禅宗气息的地方——她的“印度房间”,她常在这里冥想。她的小金人并不是唯一一个和主人有共鸣的奖杯,罗素-克洛(Russell Crowe)曾在影片《角斗士》(Gladiator)中身着罗马战士裙装,扮演了一个威猛、极具感情和个性的古罗马战士--司令官马克西姆斯,他的奖杯放在鸡舍中,因为克洛相信小金人能够保佑母鸡下出更大的鸡蛋。

这是007系列电影最佳主题曲之一,但实际上并没有在片头演奏,所以我们把它放在荣誉推荐的第一位。这首浪漫的曲子呼应了电影情节的发展,最终詹姆斯·邦德遇到了真爱。(可惜他们的恋情维持不久便结束了。)路易斯·阿姆斯特朗运用了他标志性的颤音,听者心弦颤动,一个经典诞生了。
vt. 谣传

Among the amenities spread through its three terminals are two 24-hour movie theaters screening the latest blockbusters for free, a rooftop swimming pool and a butterfly garden.
1. Bubble With No Name Yet triggers the biggest crash in 30 years
单词affection 联想记忆:
弗兰西斯麦克多蒙德在这个黑色喜剧故事中扮演一位悲伤的母亲,展现了出色的核心表演。
Comic skit “Dance If You Like” (Cai Ming and Pan Changjiang)