What Is a Finance Charge, and How Do I Avoid Paying One?
If you're savvy, you can avoid credit card finance charges entirely.
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.
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
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.
Read:“互联网+“ 时代下的石材行业 ]
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
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.
颁奖典礼一开始，两位主持人妙语连珠，引来场下观众阵阵喝彩。马特?戴蒙、梅丽尔?斯特里普(Meryl Streep)和乔治克?鲁尼都自然而然地成为了调侃的对象。蒂娜?费对桑德拉?布洛克(Sandra Bullock)和克鲁尼参演《地心引力》的点评引发场下一阵爆笑。
Andrew Bargery, campus and schools engagement leader at PwC, says Teach First graduates stand out: “They have already worked in a professional envir-onment and have professional maturity and are good at building relationships.”
Look up "side-splitting humor" in the dictionary and you should probably come across the trailer for Girls Trip, which is the funniest movie of 2017, no contest.
In October, South Africa brought down its holdings of US government securities to USD 10.3 billion.
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.
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。
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.
Experts offer advice for surviving -- and thriving -- in the next year:
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.
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.
WORST USE OF SOCIAL MEDIA
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.
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.
Goldie Blox是一家玩具公司，使命是重新定义玩具商店中的“粉红走道”。在科学、技术、工程和数学（STEM）教育和职业领域，男性数量要大大多于女性，大部分女孩往往在八岁前就对这些领域失去了兴趣。Goldie Blox所设计的玩具则通过吸引女孩发展强大的口头及故事讲述能力的方式——同时仍提供机会来发展日后可转化成对工程学兴趣的技能——来鼓励和启发未来的工程师们。说到机会，一家玩具初创企业如何能在和一开始就统治着玩具行业的大公司的抗衡中脱颖而出呢？Goldie Blox走出了明智的一步：最近，该公司发布了一段视频，采用了Beastie Boys的歌曲《女孩们》（Girls）做背景音乐，该视频得到了病毒式传播。尽管这段视频最终被撤下，但Goldie Blox在提高公众对让更多女性和女孩对STEM产生兴趣——以及对Goldie Blox玩具——的认知上，做了一份相当不错的工作。
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.
File this under "great, yet stupid gift ideas." The BOx bottle opener claims to be the "world's first smart bottle opener" but it's not groundbreaking. This bottle opener sends a message to your friends via Messenger every time you open a bottle — crazy, right?
Magic show (Lu Chen)
4. China will continueefforts to build out C-9 (the top nine universities in China) in the form ofmore than $1 billion new investments in major campuses. Funds will becommitted to attract top faculty, build state-of-the-art facilities, andrecruit the very best students. China will lock into a global war forintelligence, education, and skill.
与此同时，前第五届和声明星 Camila Cabello证明了她的独唱生涯正在起飞，因为她的首张单曲《Havana》获得了最佳流行音乐奖。她的胜利意味着Taylor Swift失去了另一个奖项，尽管这对于歌手来说只是众多收获中的一个，但是近期她因为一年的沉寂过后又重新成为焦点。
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.
Read:Best Rewards Credit Cards. ]
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.
Tags: credit cards
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.