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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.

Are the political upheavals of 2016 — Brexit and America’s election of Donald Trump — a triumph of democracy or a threat to it? Democracies must respond to legitimate grievances.
The prospect of a major shakeup right before the deadline is usually a recipe for disaster, especially if it leads to immediate roster change.

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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剧烈动荡石油产量—随着更加缓慢增长的世界经济—造成了原油价格从2013年100美元一桶到2014年年末的几乎50美元一桶的大幅下降,而在美国国内2014年初却造成了通货膨胀的相反影响
Several South Korea-linked entities have already felt Beijing’s wrath in response to the Thaad plans. Chinese state news agency Xinhua last month issued a stark warning to Lotte, one of South Korea’s biggest companies, for giving up land on which the Thaad platform will be hosted.
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Best film and best director. Surprisingly, Nolan has never received a directing nomination from the Academy.
A new paper on the Dutch debacle, coauthored by Peter Koudijs at Stanford Graduate School of Business, turns up modern-day lessons about the not-so-scientific ways in which personal experience rather than market information can determine optimism, pessimism, and access to credit.
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n. 基金;资金,现金(fund的复数) v. 提供资金
The charges of Russian hacking and Mr Trump’s evident defects of experience, judgment and character show that the college has not proved the bulwark Mr Hamilton hoped for.
n. 摘要
THE EFFECT OF RAPID CHANGE

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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

大约一千八百万人,想要得到一个好的全职工作,但却没能找,这一数字在金融危机过后五年半左右的恢复时间中是高得不寻常的,而且尽管失业时间在半年及以上的人数大幅下降,然而这个数字仍然比2007年7月金融危机发生之前的任何时候都要高。
新年就要到了,让我们给那些久未联系的朋友送封英文新年祝福邮件,表达一份深深的祝福吧!

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.

The board is frequently covered in equations. Have you ever wondered what those equations mean? Well, we may never know what they mean, but they are all real, accurate equations. Very impressive, Big Bang. Very impressive indeed.
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即将来到的投放是为了纪念南韩2010年沉船事件的第五周年,当时有46位船员死亡。南韩把责任归咎于北韩,并且很快的冻结了一切两韩之间的交易和投资纽带。
一个由BuzzFeed News(译者注:类似今日头条的新闻搜集网站)所做的分析揭示了本年度Facebook上流传最广的50条假新闻。他们加起来大约有2150万次的点赞、评论及分享。在这些新闻里,23条和美国政治相关,2条关于女人用她们的阴道作为谋杀用的凶器,还有1条关于一个小丑娃娃其实一直都是个真人。

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日本总体排名第五,是亚洲表现最优异的国家。“原动力”排名第五,“前瞻性”排名第一。
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“环境越来越受到政策制定者的重视。”世界黄金协会市场情报部门负责人阿利斯泰尔?休伊特(Alistair Hewitt)说,“黄金开采受到更严格的监管。”
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Meanwhile, in an unfortunate red carpet faux pas, Pink and Shakira both showed up in the same Balmain dress.
According to government sources, property sales in Hong Kong fell almost 40 per cent in the first half of the year compared with the same period in 2015 — both in terms of price and volume. An index from the Rating and Valuation Department released this month showed the commercial sector was a particular casualty, with prices falling 5.7 per cent in May compared with the same month last year.
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巴黎是前十名中唯一的欧元区国家,而且下降了3个名次,报告指出这可能是由于对欧元的信心下降。
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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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It was the best of times, it was the worst of times…

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.
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re反,treat=tract拉-拉回-撤退
立场:支持移民改革

18. Most Interesting Apology (tie) On Nov. 18, The Hollywood Reporter disgorged a 1,200-plus word apology for not including any nonwhite performer in its Oscar actress round table. Soon after, the director Alex Proyas and Lionsgate apologized for the lack of diversity in the cast in their new movie “Gods of Egypt.”
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Today, the Financial Times reveals the fake gross domestic product data routinely released from many northern Chinese regions. There, solid alternative evidence suggests the authorities have “smoothed” the economic growth figures. They artificially boosted growth figures between 2012 and 2016, masking a real downturn, and last year covered up a genuine recovery.
Zhang Guoli to host 2014 Spring Festival Gala

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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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Song “Beautiful China”(Sha Baoliang and Xu Qianya)
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.
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