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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.

Two years ago, the AFI delayed voting on its year-end list to give critics a chance to see Star Wars: The Force Awakens, which it subsequently included on its list of the 10 best films of 2015. However, this year, the latest Star Wars film, The Last Jedi, which hits theaters on Dec. 15, was nowhere to be found on AFI's list.
这四个特大城市在11月之后则经历了交通拥堵状况的缓解,这可能与冬季用户出行减少、雾霾、外出打工人员返乡等多重因素有关。

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

单词retreat 联想记忆:

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

近日,新一期福布斯世界富豪排行榜揭晓,比尔·盖茨在近22年内第17次问鼎榜首。

Fudan University and Peking University, two prestigious comprehensive universities in China, were ranked fourth and sixth on the salary ranking, while the remaining of the top 20 were dominated by finance/economics and science/technology schools.
The most sought-after job as of Tuesday remained a position offered by the China Employment Training Technical Instruction Center in Beijing, which had drawn 1,430 applicants, the institute said.
The crown passed from the Plantagenet dynasty to the Tudor monarchs who painted Richard as a deformed villain who stopped at nothing in his quest for power, even murdering his two young nephews -- the so-called Princes in the Tower -- to secure the throne.
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因城施策去库存。
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If you wake up every morning Monday through Friday and never feel excited to go to work, that is a problem. It means you aren't enjoying your job and it is diminishing your quality of life. If you wake up every day and dread going to work, it's time to consider quitting your job.

懂得处人准没错
我们第一次看到安娜·莫拉莱斯(Anna Morales,杰西卡·查斯坦[Jessica Chastain]饰)的头发是在《至暴之年》(A Most Violent Year)的片头字幕里。她正对着镜子化妆。
马特达蒙凭借他在《火星救援》中扮演的被困宇航员一角而荣获喜剧类最佳男主角奖项。
Creditors have officially approved the MGM restructuring plan that will put Spyglass Entertainment in charge of the studio, getting it moving once again. MGM will no longer be a distributor, but a working studio, which now puts James Bond 23 on the auction block and closer to an actual start date. Here is the official announcement from MGM:

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

Big and brassy! Paul McCartney (yes, yes, and also Wings) ushered in a new era of James Bond movies with the theme to Live and Let Die, sending the series careening into a 1970s musical sound as the franchise rebranded itself with a new leading man, Roger Moore. This is an almost maniacally excited song. The melody shifts and spirals and builds and sinks and hardly gives the listener a chance to get their bearings. It's a thrill.
7.Make Practice Tests

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.

adj. 社会的,社交的
有理由怀疑纳伦斯-诺埃尔是否能成长为可靠的先发中锋,这些理由包括他的伤病史、场外红灯行为和非常有限的进攻手段。
冲击奖项:自从在特莱瑞德电影节首映以来,奥德曼一直就是最佳男主角奖项的宠儿。
yacht

Experts offer advice for surviving -- and thriving -- in the next year:
n. 声明,陈述
Exports to both South Korea and Asean countries fell by about 3 per cent, however, while those to re-exporter Hong Kong dropped by more than 16 per cent.

愿你拥有新年所有美好的祝福。
If you have been out of work for a long time, it may be time to consider taking a job you wouldn't have looked at before.

他说,本周早些时候他和美国国务卿克里的会谈显示,美国准备朝“解决只有通过共同努力方能解决的问题”的方向发展。
WORST USE OF SOCIAL MEDIA
10.Selfie Sticks

This year the list features nine heads of state who run nations with a combined GDP of $11.8 trillion — including the No. 1 Power Woman, German Chancellor Angela Merkel. The 24 corporate CEOs control $893 billion in annual revenues, and 16 of the women here founded their own companies, including two of the three new billionaires to the list, Tory Burch and Spanx’s Sara Blakely. Speaking of, this year’s class has 14 billionaires valued in excess of $82 billion.
在主持过去年的奥斯卡颁奖典礼、之前的格莱美奖及艾美奖之后,她无疑是这个角色的最佳选择。
It was a confident, high-powered investment firm with credit lines at top financial institutions. It made big bets using borrowed money to buy assets and generate higher returns. But when the market for those assets went south, lenders demanded more collateral until the firm suddenly collapsed. Many frightened lenders clamped down on all borrowers, setting off an overall credit crunch.
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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.

中子星相撞
adj. 全球性的,全世界的,球状的,全局的
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Magic show (Lu Chen)
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美国
我判断摆烂不是看言论而是看球队动作的。所以,即使球队说他们没有摆烂,但是签了一大批落选的自由球员,同时报告明星球员伤病缠身,这时候你就知道,他们是在摆烂了。

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Anyone can have a bad day at the office, but this disappointing performance at Christie’s followed an old masters sale in July that took in 19 million against a low estimate of 31.5 million.
1月份中国居民消费价格指数(CPI)出现上涨,在本月金融市场动荡为主的背景下,该消息对于这个世界第二大经济体来说是个令人鼓舞的迹象。

China has long since eclipsed Russia as the world's number two power behind the US.
? President Obama declared a "major disaster" in New York and New Jersey. Flooding devastated the coast and more than 2.3 million lost power. The National Guard rescued hundreds from flooding in New Jersey. The governor, Chris Christie, a Republican, said the damage was "unthinkable". He praised the "outstanding" co-operation he had received from Obama.

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

Except your Watson, he thinks it's hot.
4.A Sex Video
For once, the Lakers are in good spot and don't have to rush into anything. Take some time. See what they have. They're not making the playoffs with that defense, but that's not really the point of this season anyway.
vt. 安慰,使

单词figure 联想记忆:
生于缅甸皇室的杨金秀于7月31日去世。她拒绝了与生俱来的权利,成了一个女扮男装的军阀和鸦片走私犯。

奥运会是世界各国放下分歧、从事体育运动的时刻。不过这究竟能否付诸实践,还是有争议的。虽然运动员们一定会专注于比赛,不过长期存在的分歧很难会被他们的祖国遗忘,即使是暂时遗忘。
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With executive compensation in the U.S. rising and the income gap only getting bigger, it's refreshing to see a CEO who cares about more than his own paycheck. Lenovo(LNVGF) Chief Executive Yang Yuanqing announced in September for the second year in a row that he would share at least $3 million of his bonus with roughly 10,000 of his workers. The generous decision was a product of the personal computer maker's record sales that year. The average worker payout is equal to roughly a month's pay for the typical city worker in China, according to Bloomberg News.
Hurricane Irma
现年60岁的罗斯是位于波士顿的哈佛大学的教授,而89岁的沙普利是美国加州大学洛杉矶分校的教授。