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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.

报告指出,中国网游开发商自今年年初以来一直在考虑按照时间收费。在排名前十的网络游戏中,时间收费型网游占据了4个席位,其中两款是今年才开始商业化运营的新游戏,包括盛大互动娱乐有限公司(Shanda Interactive Entertainment)的主要新游戏《永恒之塔》(AION)。Cnzz.com说,转向时间收费模式更有可能给游戏带来公平和公正感,因为玩的最好的玩家将是那些花时间最多的人,而不是那些花钱最多的用户。
It can transport rows of seedlings in minutes. And can reduce planting time by 88 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

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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

Wal-Mart U.S. president and CEO Bill Simon

添加方式1.扫描上方可可官方微信二维码。
Blind people smile even when they have never seen someone smile.
She created a whole world around the device -- one populated by humans, a whale in a top hat and dragons.
Song “The China Style”(Jiuyue Qiji)
For now, occasional high-ticket deals such as the Dah Sing Financial Centre and the purchase of a HK$2.1bn luxury house on the affluent Peak, come amid wider pessimism about the sector. The office sector showed the most activity in the first quarter this year, but this still translated into only eight deals in total, according to CBRE.
“This is not an excuse — this is the reality of the environment we operate in, ” Dervin said. Since 2012, JetBlue has been implementing a series of technology efforts to help it recover more quickly from bad weather. She said other tools are coming online that will help the airline keep to its schedules.

最坏习惯奖
可口可乐表示,中国消费放缓打击了销售额,而较为疲弱的需求正迫使其降低库存。
澳大利亚流行歌手希雅注意到了节目里的玛蒂,去年她在推特上联系玛蒂,邀请玛蒂参演她的MV。接下来的故事大家都知道了。
Given that travel costs to Russia may surge in 2018 when the FIFA World Cup will take place there, visiting this year would be a smarter choice.

Gov. Ricardo Rossello, 37, proposed several measures aimed at alleviating the crisis shortly after he was sworn in at midnight. Among them is a proposal to hold a referendum that would ask voters whether they prefer statehood or independence. Many have argued that Puerto Rico’s political status has contributed to its decade-long crisis that has prompted more than 200,000 people to flee to the U.S. mainland in recent years.
除去这些宏大的制作,共有40位闪亮的模特走上T台。
In the next few years, by 2018, theincrease to $1.3 trillion will be due to about $100 billion on hepatitis Cdrugs, the same sums spent on cancer treatment, and $78 billion on diabetescare.
Chen is followed by Yang Huiyan, the 35-year-old heiress to Country Garden, a property development company based in Guangdong. Yang is worth 48.5 billion yuan.

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 remarks by Recep Tayyip Erdogan come less than 24 hours before Dutch voters go to the polls in a national election that has been coloured by a heated debate about the role of Islam in Dutch society, spurred by anti-Islam candidate Geert Wilders. Mr Wilders’ Freedom party (PVV) is polling second in the race.
n. 权力,权威,职权,官方,当局

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 report found that students majoring in art, agriculture and engineering were more willing to start businesses, while those majoring in history and science showed relatively low interest.
This 1977 file photo shows Apple co-founder Steve Jobs as he introduces the new Apple II in Cupertino, Calif.
印度尼西亚佩母德兰——在巴厘岛的佩母德兰,可以在长了珊瑚的佛像周围进行水肺潜水,也可以到地面上享受海滩胜地和餐馆美食。
Télécom Business School in France and Prague’s University of Economics have the most gender-balanced faculty, with exactly 50 per cent women, while Switzerland’s University of Zurich is the least balanced, with only 9 per cent. Switzerland’s IMD has the most international faculty, with 94 per cent of them from overseas, while faculty at Politecnico di Milano School of Management are all Italian.

全球收入最高的女星排行榜4-10位:
Will a stable and liquid bitcoin futures market develop
According to the annual Global Trade Protection Report, companies in the US launched 43 anti-dumping cases in 2015 and a further 22 anti-subsidy investigations aimed at securing countervailing duties. The US took the lead in both areas, overtaking India and Brazil, which launched the most cases in 2014 and 2013.

高位且不断上升的美国利率可能很快成为新兴市场危机的驱动因素:此类条件可能导致新兴市场借贷成本升高,还有资本外流以及金融部门冒险意愿下降。
3.视频编辑:增长了19.2%

Gitanjali因为拿下了本次最高奖项,从而获得了一笔2.5万美元的奖金。
ICBC said net profits increased 0.5 per cent for the year to December 31 2015 — the smallest increase since it listed. Returns on average total assets declined 0.1 percentage points to 1.30 per cent.
9. The Chinese militarywill demand and receive vastly expanded investments in the form of advancedaircraft and ships.

“我非常激动,皮草被禁止参加伦敦时装周是个巨大的进步!” 费斯回应道。
The growth has laid a solid foundation for the development of the film industry in China in the future, the experts added.
许多人对此不屑一顾,《纽约每日新闻》采访到的一位营养师声称,黄金披萨中最昂贵的成分:厄瓜多尔进口黄金薄片缺乏营养价值。
我更愿意和别人保持距离

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.

Agents and investment institutions are now flooding the sector, causing additional changes to the platforms in the world's second-largest economy, the report said.
单词survival 联想记忆:
当年辛普森(OJ Simpson)杀妻案的审判就说明,再也没什么能比谋杀和名人的组合更能引发公众的集体亢奋了。再加上253号班机爆炸未遂案、几十个恐怖分子、审判律师、公诉人、政客以及911遇难者家属的激动情绪,足够在你面前上演一出长得如同滔滔江水延绵不绝的连续剧。

小说作者安东尼·赫洛维兹(Anthony Horowitz)透露,新书《Trigger Mortis》为现代读者作了改动,包含反对吸烟的信息,而且首次有一位“直言不讳”的同性恋朋友出场。
Shapley made early theoretical inroads into the subject, using game theory to analyze different matching methods in the 1950s and 1960s. Together with US economist David Gale, he developed a mathematical formula for how 10 men and 10 women could be coupled in a way so that no one would benefit from trading partners. While that may have had little impact on marriages and divorces, the algorithm they developed has been used to better understand many different markets.
Ranked 10th position, Industrial and Commercial Bank of China is the highest ranking Chinese company on the list.
哥伦比亚美女夏奇拉集歌手、作词人、舞蹈演员、唱片制作人、舞蹈编剧以及模特于一身,她在2015全球美女榜中位列第十位。她还曾登上福布斯全球权势女性榜,以及“舞动奇迹”最受欢迎舞者榜。2014年7月,她成为脸书粉丝过亿第一人。
5. 格罗斯警告:“庞氏骗局!临界点!信贷超新星!”

8. 斯特吉尔·辛普森(Sturgill Simpson),《乡村音乐的大现代之声》(Matamodern Sound in Country Music),High Top Mountain。一支极为聪敏的乐队做出复古的改革:乡村乐中曾经发生过这样的事。但在斯特吉尔·辛普森突破性的第二张专辑中,他把这一点变成了可适应环境的标志,就建立在他那动人而通透的男中音之上。
When Beatty and Dunaway took the stage to announce the Best Picture award, Cullinan and Ruiz realized that they still had two best picture envelopes, meaning that the envelope taken on stage was a duplicate for an award that had already been announced.
Face-value prices for the Brazil versus Chile match officially ranged from $200 to $25 for Brazilians, the cheapest tickets making up roughly 5 percent of those sold. They were only available for students, senior citizens or poor people who participate in a government welfare program.
adj. 荒谬的,可笑的

President Barack Obama won re-election to a second term in the White House on Tuesday, television networks projected, beating Republican challenger Mitt Romney after a long and bitter campaign。
Steven Spielberg directs Meryl Streep and Tom Hanks in The Post, a thrilling drama about the unlikely partnership between The Washington Post's Katharine Graham (Streep), the first female publisher of a major American newspaper, and editor Ben Bradlee (Hanks), as they race to catch up with The New York Times to expose a massive cover-up of government secrets that spanned three decades and four U.S. Presidents. The two must overcome their differences as they risk their careers - and their very freedom - to help bring long-buried truths to light.

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

人不得不告慰自己,原来如此。
有专门的机器将氦气打入制作泡沫的溶液中。
‘The Good Wife’ Once Will (Josh Charles), Alicia’s illicit love interest, died at the end of Season 5, this sexy CBS courtroom drama seemed as if it might droop and wither, but instead, the sixth season steamed with almost madcap energy, mixing Alicia’s newly fledged political campaign, a war of the roses between Alicia’s new firm and her old one, and the legal travails of Cary, her legal partner. Alicia isn’t quite so good anymore, and that makes “The Good Wife” all the better.
In his annual news conference with international reporters, Putin said he is ready to work with any president the American people elect.

administration
Mr Lam predicts that any recovery in the market will rely on appetite from cash-rich companies from mainland China, with foreign investors restricting their investments to real estate investment trusts or stocks exposed to developers, rather than actual property.

在"踢脚舞"这集中,我们得以看到伊莱恩·薄伯那难以置信的滑稽舞步。简直难以想象没有她这么带感的放克舞蹈,《宋飞正传》会是什么样子。然而,令人震惊的是,那差点就成了现实。编剧之一斯派克·费雷斯滕知道,制作人拉里·戴维一定会反对这场舞戏,所以他只能等到戴维离开之后。当他的这场舞戏终于获得许可,却又遭到不少同事的强烈反对。
Industrial production expanded 1.4 per cent month-on-month in October, the quickest pace since a 4.1 per cent rise in January. It was better than the 1.1 per cent gain in September, but still fell short of economists' expectations for a gain of 1.8 per cent.
A hero is one that doesn't want to bea hero. A hero is a one with all the possibility to make the choice but takethe responsibility of the moment. And it's really something hero has got to do.For example, in 9/11 some of the plane's passengers fought with the terrorists.In Fukushima's radiation leak, some people went and tried to fix the nuclearplant and died. But they have to do it. They are heroes. They don't try to beheroes. They take responsibility and try to do what is right.
促进外贸继续回稳向好。
据此网站统计,排名第二的慈善明星是前迪斯尼明星后转型歌手的麦莉塞勒斯。准爸爸查宁塔图姆名列第三。