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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.

China had a full-year GDP target of “around 6.5 per cent” for 2017.
受能源和大宗商品价格日益下跌影响,中国12月工业生产者出厂价格连续第34个月下跌。

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

梅瑟威对战麦克格雷戈的战斗

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

In 2008, Janah talked to a call center worker from Dharavi, India, the largest slum in South Asia, while working as a consultant. The worker said there were millions of unemployed villagers as talented as he was. "I thought, 'What if outsourcing could generate a few dollars for billions of people, rather than billions of dollars for a wealthy few'" Janah says. She went on to launch Samasource, a tech platform that connects impoverished women and youth with large corporations like Google, LinkedIn, and Microsoft to complete digital projects. To date, the non-profit has helped over 16,000 people rise above the poverty line and it recently launched SamaUSA, a domestic program for low-income students living in San Francisco.

银行家们表示,音乐流媒体服务Spotify计划最早第四季度在纽约证券交易所(NYSE)直接上市其现有的非公开发行股票,而不走正式的IPO程序,而其他大型知名科技公司则被视为更有可能在2018年上市。
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Please accept my season\'s greetings.
这份榜单的四所英国大学分别是剑桥大学、牛津大学和伦敦大学和帝国理工学院。东京大学也位列前20名。
卓越雇主排名:61
This story pulls directly from the real Bling Ring gang , whose burglaries racked up $3 million over the span of ten months in 2008. All of the celebrities listed in the movie were real victims of this group, who claim to have been motivated by the "cultural obsession" surrounding celebrities' personal lives. Whatever their motives, the Bling Ring is a good reminder to take a step back from the media every once in a while.

但是在名人搜索榜上,休斯顿和凯特王妃排在最前,紧随其后的是真人秀节目《X Factor》的评委盖瑞?巴洛和杜莉莎。
……太紧张,差点昏过去。
The Man Who Knew, by Sebastian Mallaby, is the 12th winner of the £30,000 award, which goes to the “most compelling and enjoyable” title of the year.
The data measure how successful alumni have been in their career in terms of salary, seniority and achievements since graduating.

不是每个乐队都能在四十年的职业生涯中始终给人以清新的感觉,然而并非每个乐队都是金发女郎。
Morgan Stanley CEO James Gorman will do an about-face on the bank's 'lower risk' corporate strategy.
通用汽车公司(General Motors)帮助改善了大峡谷州的就业前景。今年3月,这家汽车制造商宣布,计划在凤凰城郊区钱德勒建设该公司的第四座信息技术创新中心。通用汽车预计将雇佣1,000名员工,主要包括为这座新中心效力的软件开发人员、数据库管理员和系统分析师。通用汽车公司首席信息官兰迪?莫特(Randy Mott)在新闻稿中宣布了这个举措,他表示,“大凤凰城地区是出色的枢纽,吸引了新兴技术人才——从大学毕业生到职场专业人士。”
库迪斯认为,这一点在预防21世纪的泡沫和破灭方面具有重要的监管意义。

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

The US president-elect has pledged to abandon trade agreements which could have wide-reaching effects on American imports and exports of commodities if trade agreements are revised.
The French president would have ranked much higher had he not taken a 30% pay cut on assuming office in 2012.

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.

如果你觉得现在的杜兰特骨瘦如柴,那你得瞧瞧他在蒙特罗斯基督教会学校时的瘦弱身板。
According to the announcement, the new administrative center in Tongzhou will put infrastructure upgrades and ecological improvement on top of the agenda. The municipal government hopes to improve public services in education, healthcare, cultural events and industries in the district.
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.
第一步 拥有傲娇的造型

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The report also found traffic congestion in first-tier cities such as Beijing, Shenzhen, Guangzhou and Shanghai have stopped getting worse with local government efforts.
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3.解决问题的好手
You're talking with him / her late on the phone. When he / she hung up the phone, you still miss him / her, even if the phone just hung up on 2 minutes

读:奔腾。奔腾的特长就是永远有一颗奔腾的芯。
The prince said authorities could recover as much as $100 billion in settlements.
The companies that have tried — and so far failed — to create a sustained ETF boom in Asia say the need for wholesale reform suggests the market will be defined by a protracted effort to convince both the regulators and customers to redraw the scenery.

"We hope the mother will come to us and verify the facts. If it's true that the user is a 13-year-old who spent the money without consent, we can negotiate a refund," the Tencent employee said.
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Trigger Mortis was released on September 8, ahead of the release of the latest Bond film Spectre which is out in cinemas on October 26.
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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.

Sweden’s Proponent of ‘Feminist Foreign Policy,’ Shaped by Abuse
“I saw a woman die and I saw the president of the United States refuse to unequivocally condemn the people who killed her.”
A total of 13.14 million new urban jobs were added.

在大多数市场中,这种增长将被认为是令人印象深刻的,但对中国来说,这代表着一种持续放缓。中国是全球第二大电影市场,在过去十年的大部分时间里,中国一直是好莱坞的增长源泉。
'In total I've spent about £5,000 in three months on my three girls. One dress cost me $200 and she only wore it twice before she grew out if it - but I don't intend to lower my spending.
经济运行缓中趋稳、稳中向好;
切实落实脱贫攻坚责任制,实施最严格的评估考核,严肃查处假脱贫、“被脱贫”、数字脱贫,确保脱贫得到群众认可、经得起历史检验。
律师本质上是谨慎的,但他们中的大多数人已经认识到,技术是处理他们需要梳理的大量信息的关键。没有技术,披露和合规等一些需要处理很多文件的工作几乎不可能完成。

n. 宣言,声明 vi. 发表宣言
You know the old guy who's been at the company forever and still can't figure out email? If you don't get up to speed on social media in 2014, you'll be that guy. Compared to last year, there are 13 times as many jobs advertised on Indeed.com that mention the use of social media. "We are seeing an increased demand for social savvy candidates across the business -- from human resources to product to customer service, " Amy Crow, Indeed's communication director told Quartz earlier this year. Not only are departments like marketing, sales, and customer service expected to be on Twitter (TWTR) and Facebook, teams as diverse as R&D, logistics, and HR are increasingly using internal networks like Yammer to streamline operations. Social media has grown so critical to the workplace, in fact, that major universities are beginning to offer certificate programs for socially inept corporate types to get up to speed.
n. 增加,附加物,加法
adj. 城市的,都市的

Citing recent figures from the CPB Netherlands Bureau for Policy Analysis, that show global trade in seasonally-adjusted volume terms fell 1.1 per cent between September and October, Mr Leering suggests last year will prove to be the worst year for world trade since 2009.
泡沫气球是泡泡和气球的混合体。

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

单词toxic 联想记忆:
泰晤士高等教育世界大学排名的编辑菲尔·巴蒂说,“学校的全球发展前景是一个名牌大学的重要标志之一。顶尖大学聘请来自世界各地的教师,吸引来自全球有极高天分的学生,并能与所有的一流专业合作——不管是哪个国家的。”
1. Bottoms Up Beer System
The Fed last month laid out a timetable to slow the pace of its bond purchases throughout the year. The central bank, which had been soaking up $85 billion a month in Treasurys and mortgage-backed securities since late 2012, plans to reduce the pace of purchases by $10 billion at each meeting until it is no longer buying bonds at year-end.

医疗、医保、医药联动改革
其他人将想方设法利用技术来帮助人们减少上网时间。谷歌(Google)前雇员特里斯坦哈里斯(Tristan Harris)发起的“时光莫虚度”(Time Well Spent)运动正在吸引人气,该运动鼓励设计者理解他们所控制的微妙的心理力量,以解决其所称的“数字注意力危机”。据Recode报道,曾经在Pinterest和Facebook工作的蒂姆肯德尔(Tim Kendall),计划成立一家专注于对抗设备上瘾的初创公司。

因此,看看吧。我真诚地希望你们会喜欢它们,就像我在挑选和编辑它们时那样。
The company realised that "it was all a mistake and that he did it without thinking," a Google spokeswoman said last Wednesday.
当晚的最大赢家可能还要属主持人蒂娜?费和埃米?珀勒,这是两人第二次搭档主持金球奖颁奖典礼,且她们今年表现丝毫不逊去年,创下了1,970万观众的六年来最高收视率。金球奖颁奖典礼由好莱坞外国记者协会(Hollywood Foreign Press Association)举办,举办地点位于加利福尼亚州贝弗利山庄的贝弗利山希尔顿酒店(Beverly Hills Hilton)。
8. The 2012 Ig Nobel Fluid Dynamics Prize
Zuckerberg also helped launch a lobbying group that is working toward immigration and education reform in the U.S called FWD.us.