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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.

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A total of 61 IPOs were launched on the Shanghai and Shenzhen stock exchanges, down 67 percent on the same period last year. About 28.8 billion yuan (4.3 billion U.S.dollars) was raised, down by 80 percent.

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

补救办法:当我们在做出重大决定时,例如接受(或拒绝)工作邀请时,我们往往会受到信息性偏见的影响。如果我们认为自己做出了正确的选择,就首先会想到那些支持这种想法的信息。但如果我们担心自己犯了错误,我们的潜意识就会增强这种直觉。在做出工作的决定时,如果你习惯性地怀疑自己的能力,这个问题不在于你以前所做的职业选择是否正确,而在于你需要建立自信,相信自己有能力选择让自己满意的职业,并对结果有一定的把握。若要解决这个问题,需要回忆你在做出这个选择时所处的环境和当时你所优先考虑的因素,然后看看现在所处的环境和优先考虑的因素是否发生了变化。此外还要与职业顾问合作,理清工作决策,帮助你增强进入新领域的信心、承担风险和谈判的能力。

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

severe的人总是sever

n. 版权,著作权
愿新年的快乐一年四季常在。
3.Pay no attention to those bow-tied etiquette experts you sometimes see on CNN International, telling you how to behave while in Britain. These people are generally of dubious provenance, normally live in California and tend to peddle advice that is either irrelevant or out of date. For example, they will often say that Britons love queuing and are so fond of apologising that they will often say "sorry" even when something isn't their fault. In reality, Britons are just as likely to jump to the front of a queue and then punch the person behind them for coughing. It all depends on how muggy it is.
Self-driving cars, selfie sticks, drones, touchscreen devices, e-cigarettes, jetpacks, and many other things seem like fairly modern inventions. Indeed, most of their "inventors" list them as newly invented and even go as far as seeking patents. But the fact is, many of these "inventions" have already been in existence for quite some time. They may have earlier lookalikes that ended up not going into production or that went into limited production due to one reason or another. Some also made it into full production but were recalled due to poor sales.
WhatsApp had been particularly ad-averse before its sale to Facebook. CEO Jan Koum kept a note from co-founder Brian Acton taped to his desk to remind him of the company’s core values. It read: “No Ads! No Games! No Gimmicks!”
“太可怕了,”他说,“我见到有人带枪,就把枪拿走,报告警察。”

凯洛格/香港科大EMBA项目的优势在于学员的素质。
“纽约人正逐渐意识到,这一漫长的繁荣期已对我们眼中的经典纽约市容造成了破坏,”历史街区保护委员会(Historic Districts Council)的执行董事西蒙·班考夫(Simon Bankoff)说,他同时指出,2015年将是纽约市通过《地标建筑保护法》的50周年。“环顾左右,那些总被我们认为是一成不变的东西,却都在纷纷关门闭户。”
Passion, perseverance and a positive attitude tend to set successful entrepreneurs apart. Cultivating these attributes requires an innate skill set and some tips to get started.
To Anita Eerland and Rolf Zwaan [THE NETHERLANDS] and Tulio Guadalupe [PERU, RUSSIA, and THE NETHERLANDS] for their study “Leaning to the Left Makes the Eiffel Tower Seem Smaller."

活跃的ETF市场将取决于基于收费的分销网络的发展。富达国际(Fidelity International)亚太区董事总经理陶博宏(Mark Talbot)表示,分销基础设施正抑制零售需求。
5. Life is like a coffee table: it’s got tea sets and dinnerware all over it. (beiju, 杯具, is a homophone for tragedy, 悲剧, and dinnerware, canju, 餐具, a homophone for disaster, 惨剧).
当科比的身体长到了6尺6寸时,高中时期的他已经是一个相当中型身板的家伙。可以想象,在1996年,想抵挡住17岁的科比进攻就很难。我相信,这几乎是不可能的。
Shares in Hyundai and AmorePacific slid on Friday, down 4.4 per cent and 12.5 per cent respectively in late afternoon trading in Seoul.

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

Still, experts see a crisis of white identity underlying much of the West’s current turmoil.
Fifteen Chinese nationals have been charged with developing a fraud scheme in which they paid imposters to take entrance exams, including the SAT, and gained acceptance to elite American colleges and universities, the US Department of Justice said on Thursday. Conspirators were paid up to $6,000 each time they used counterfeit Chinese passports to trick test administrators into thinking they were the person who would benefit from the test score, a federal grand jury charged.重点单词

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.

Isolated in northern China, this virus was similar to the virus that spread before 1957. For this reason, individuals born before 1957 were generally protected, however children and young adults born after that year were not because they had no prior immunity. By January 1978, the virus had spread around the world, including the United States. Because illness occurred primarily in children, this event was not considered a true pandemic. Vaccine containing this virus was not produced in time for the 1977-78 season, but the virus was included in the 1978-79 vaccine.
这里我得提一下小牛队的处境。你很难在11月就告诉你球队的球迷们球队希望尽失,而你的名人堂球员仍旧在球员名单上时这一动作难度就更大了。
stress
The increase of these and other gases from human activity has caused the planet to warm by about 1.5 degrees Fahrenheit since the preindustrial era, which is causing land ice to melt all over the world. The oceans are rising at what appears to be an accelerating pace, and heat waves and torrential rains are intensifying.

Economic forecasters are counting on 2014 to be a breakout year. But whether the economy finally moves past its sluggish growth will rest on several forces playing out differently than they have since the recovery began. Some of the key questions:
The growth has laid a solid foundation for the development of the film industry in China in the future, the experts added.
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.

With an average monthly salary of 14,822 yuan five years after graduation, graduates from Tsinghua University topped the salary rankings. While graduates from 39 colleges made the 10,000-yuan list, 185 colleges saw their graduates average monthly salary top 8,000 yuan, while graduates from 789 colleges made more than 6,000 yuan a month on average.
许多老板都会对自己的员工负责,但是优秀的老板也会对他们自己的行为负责。这意味着他们同样会遵守为员工们设置的指导原则,并为团队的成功和失败负责任。

May the glow of New Year candle fill your heart with peace and pleasure and make your New Year bright.Have a love filled New Year!愿新年的烛光带给你祥和与喜悦,祝你新年充满爱。
拥抱世界
As for the fortunes of the gig economy, the UK will be a key country to watch. The government is due to respond to an independent review into whether British law is keeping up with this new trend. Bold policy action — either in favour or against online labour platforms — now seems less likely given the fragility of the government and the time-consuming nature of Brexit.

Nevertheless, as New Yorkers grow accustomed to a sharing economy, buildings might ultimately have to embrace it.
Age: 56
但同比而言,厦门涨幅为43.9%,排在第二位,仅落后于安徽省会合肥,后者为47.6%。65个城市同比上涨,5个城市同比下跌,这表明虽然房价可能不会像以前一样迅速攀升,但上涨仍然具有普遍性而且较有韧性。
The 8 per cent year-on-year drop in profits last month compares with 4.2 per cent in November and is the biggest since the current data series began in late 2011, figures released on Tuesday showed.

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.

It was visible, for example, on many of Frida Giannini’s Gucci runways, including the tablecloth shades and A-line shapes of leathers for autumn-winter 2014; the pastel tunics and ruffled hostess dresses of spring-summer 2013; the bright Beatle trouser suits and caftans of spring-summer 2009.
40万美元对于他们来说可谓九牛一毛——2015年,希拉里和她的丈夫比尔?克林顿主要通过演讲和版税收入赚得了1060万美元,特朗普也声称自己赚得将近5600万美元。
然而一般情况下,你只需注意洗衣机是否停止发出噪声就能来判断洗衣服是否结束。另外你也只要抬头一看外面的天气或者看一下天气预报app,就能知道是否会下雨了。因此,这个产品基本上只是一种黑客进入你家的方式。

Ahead of the release, economists at ANZ said they expected inflation to pick up in January owing to rising food prices, and the low commodity prices would weigh on the CPI.
['k?mpleks]
7、人民币贬值
Top programme:Tsinghua/Insead
不过,在财经领域,激烈竞争也是不可避免的。毕业生进入职场后应从基础工作开始,一步步提升综合能力,保持自身竞争力。

“It’s fundamentally about ‘who are we?’” said Eric Kaufmann, a professor of politics at Birkbeck College, University of London. “What does it mean to be part of this nation? Is it not ‘our’ nation anymore, ‘our’ meaning the ethnic majority?
n. 元素,成分,组成部分,(复数)恶劣天气
Ellen Johnson Sirleaf, 72, became Africa's first democratically elected female president in 2005. The Nobel Committee praised the Liberian leader for her efforts to secure peace, promote economic and social development and strengthen the position of women.
菲律宾警察总长表示,新总统罗德里戈?杜特尔特(Rodrigo Duterte)上台后,不断升级的禁毒战争已造成近1800人死亡。

8月12日,港口城市天津的一座非法储存危险化学品的仓库发生一连串爆炸,导致173人死亡,数百人受伤,造成的破坏景象仿佛末日来袭。此次爆炸事件提出了有关中国在快速工业化进程中安全监管松懈的严肃问题。
“她和我实在长得太像了,”卡尔森说,“每次我看这部电影都觉得很诡异,好像自己在看自己一样,让人感到有点毛骨悚然。”

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

The thing about the Mavericks is that this is not at all how Dirk should go out. That team has been so solid his entire career. To have a busted season now is painful. Maybe he ought to have joined Kobe, KG, and Big Fundamental last summer.
纽约现在排名第7,比去年上升了15个名次。近年来,纽约的生活成本涨幅巨大,较2011年上升了42个名次。
6)乐意效劳:通过此句话的微妙提示所起的作用,可以使某一关键内容得到强化的效果。你乐意帮助别人。无论什么时候,他们需要你的帮助,你都在场。而且,你是乐意效劳的。
《被撕破的芭蕾舞鞋和突变的生活》(Torn Ballet Shoes, and a Life Upended)

同时,该官员称,由于中央政府鼓励更多的大学毕业生到市县工作,今年的招录岗位中,有78%是区、县级的工作。
n. 紧张,拉紧,血统

报告显示,与2015年相比,2016年选择创业的应届毕业生比例明显下降,由6.3%降至3.1%。
30岁的阿什莉·格林汉姆是首位跻身收入榜单的大码模特,她通过自己的内衣和泳衣品牌代言合同赚得550万美元,排在榜单的第十位。
在简历中提到你的孩子和嗜好没有任何好处。永远不要说,“我的孩子上大学了,我就能安心回到工作岗位了。”
“If hearing that the CEO of Apple is gay can help someone struggling to come to terms with who he or she is, or bring comfort to anyone who feels alone, or inspire people to insist on their equality, then it’s worth the trade-off with my own privacy,” he wrote in Bloomberg Businessweek in October.
总之,尤吉利用特伦斯-罗斯、贾里德-萨林杰以及三个选秀权换来了两名季后赛老兵。