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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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Search giant Google has replaced iPhone makers Apple to be the world's most valuable company in the Brand Finance's Global 500 2017 report.

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

Volatility in currency markets is also likely to be a factor for agricultural commodity prices in the next 12 months, with the euro likely to depreciate as a result of French, Dutch and German elections, Rabobank reckons.

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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对于更多的普通投资者而言,在标普500指数回报高于历史平均值的大背景下,2014年是充满挫折的一年。
The film is shot to mark the tenth anniversary of the television series, first released in 2005.
6. The 2012 Ig Nobel Prize for Literature
Five programmes feature in the pre-experience ranking for the first time. The highest new entrant is Lee Kong Chian School of Business at Singapore Management University. The school came second in terms of the international mobility of its graduates, and is the first school to feature in both pre-experience and post-experience rankings.
Around 2025, China's richest man's personal wealth will match the US' richest man's, and will be in a race to be the world's richest man, the magazine predicted.
波尔图还有一系列较平民的博物馆、廉价的老式有轨电车和迷人的卵石海滩。葡萄园一日游这类短途旅行也非常便于安排。

Global gold production rose to 3,268.7 tonnes in 2017 from 3,263 tonnes a year earlier, according to the WGC. That was the smallest increase since 2008, when gold mined fell more than 2 per cent during the financial crisis.
东道主的对手阿根廷队在此次世界杯中也有很大的机会。一支以梅西为主的队伍都会在最后大放异彩,但是当你在队伍中增添类似塞尔吉奥·阿奎罗(Sergio Aguero)、冈萨罗·伊瓜因(Gonzalo Higuan)和埃泽奎尔·拉维奇(Ezequiel Lavezzi)这样的队员的话,那么它将是这届世界杯上最具有进攻打法的球队了。同理,乌拉圭的进攻三人组——路易斯·苏亚雷斯(Luis Suarez)、埃丁森·卡瓦尼(Edinson Cavani)以及迪亚戈·弗兰(Diegol Forlan)同样拥有同等的实力,能对世界上任何一支球队比赛时进球,不过,他们所在队伍中其他人的实力是否足够强还让人存疑。
On the flip side, why do so many JetBlue flights arrive late during the holidays (22 percent)? For one thing, it flies to and from some of the busiest airports in the country, including New York’s JFK, LaGuardia and Newark Airports. And it encounters some of the same issues as Hawaiian does over the Pacific.
数百所国内高校的2017届、2015届和2013届毕业生、共281万人参与了这项调查。

根据一项针对技术发展的国家规划,到2020年时,研发经费的目标是要达到GDP的2.5%。
答:其实我并不怎么关心作品火不火的,就是专注于自己的作品而已。每次我关注的就是要怎样用最好地推进剧情而已。我关注的是行为和故事,不是受欢迎程度。
能够再次主持奥斯卡我感到非常激动和荣幸。你知道有句老话:第三次总是幸运的。
In a separate report in early September, the World Meteorological Organization said the level of carbon dioxide in the air in 2013 was 42 percent above the level that prevailed before the Industrial Revolution. Other important greenhouse gases have gone up as well, with methane increasing 153 percent from the preindustrial level and nitrous oxide by 21 percent.

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

在美国监管机构担心交易所交易基金(ETF)市场增速可能太快的同时,他们在亚洲的同行以及资产管理公司和分销商却忙着考虑还有什么办法可以提高投资者的兴趣。
因为参加了一档电视真人秀节目《Dance Moms》,来自宾夕法尼亚州的12岁明星玛蒂?齐格勒火爆全球,澳大利亚流行歌手希雅的多首歌曲的MV中也有她的身影(图)

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 improvements in education levels mirrored the development of China's education system. Independent research into China's education situation showed that overall education development was better than the world average last year, Yuan Guiren, minister of education, said in March.
Speculative trading of agricultural commodities has been a feature of the markets’ volatility in 2016, and Rabobank expects the trend to continue.
Over the next few years, large residential buildings will have to comply with Local Law 87, which requires them to audit energy usage and keep systems running at peak efficiency. Residential buildings are the city’s largest source of greenhouse gas emissions, accounting for 37 percent of the total. “The one hot-button topic is energy. How do buildings become more energy efficient?” said Dan Wurtzel, the president of FirstService Residential New York, which manages more than 500 properties. “If a third of your operating budget is related to energy and you can now reduce that cost, you can take pressure off the need for a maintenance increase.”
The curbs are having an effect. Overall non-financial outbound investment fell 36 per cent in January from a year earlier to Rmb53bn ($7.8bn), the commerce ministry said on Thursday, following a 39 per cent drop in December.

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IFAD的政策顾问、这篇报告的作者佩德罗·德·瓦斯孔塞卢斯称:“这确实是一个全球性的现象,由于缺乏机会,人们不得不背井离乡,出门打工养活家人。”

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China's movie box office revenue rose 13.45 percent in 2017 to more than 55.9 billion yuan (8.6 billion U.S. dollars), with domestic films contributing 53.84 percent to the market, according to the State Administration of Press, Publication, Radio, Film and Television.
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Another indicator of bitcoin’s momentum is the number of mainstream businesses that accept it. In 2014, Microsoft MSFT -0.84% , PayPal, Dell, and Dish Network DISH 2.24% , among many others, announced they would accept bitcoin as payment for a range of products. Those companies joined companies such as Target (which accepts Gyft, which can be purchased with bitcoin), Overstock.com, and WordPress. Even the publisher of Fortune, Time Inc. TIME -0.40% ,began accepting the cryptocurrency for magazine subscriptions. Yahoo YHOO -1.02% also added bitcoin to its Yahoo Finance tracking site last year, lending the currency additional legitimacy, and Google Finance GOOG -1.30% quickly followed suit. “Adoption of bitcoin is becoming more commonplace, and we feel it is relevant to our industry and to our users,” a Yahoo spokesperson told CoinDesk. Don’t be at all surprised if Yahoo soon goes even bigger on bitcoin—whether by acquiring a bitcoin startup or some other announcement—as part of CEO Marissa Mayer’s ongoing effort to make the stalling search giant more hip.
谎言7:没错,约翰昨晚是和我在一起。说谎原因:这就是朋友该做的事。等下我们两个还要通通气,以免穿帮。
如果你在寻找一个免费的客户关系管理系统,Zoho或许正适合你。为什么呢?因为它提供了集成的可能性。比如只需添加你的API密钥,就可以轻松与JotForm和Unbounce集成。这意味着只需要几秒钟的时间,销售线索就可以自动发送到你的CRM系统。对于一款免费软件来说,这已经非常强大了。

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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In August, the holdings were to the tune of $80.4 billion while it stood at $79.7 billion in July.
《请以你的名字呼唤我》背景设定在意大利,讲述了的一个少年和一个学者之间的柔情之恋。
今年的英国《金融时报》和麦肯锡年度最佳商业图书奖(Financial Times and McKinsey Business Book of the Year Award),颁给了一部描写前美联储(Fed)主席艾伦.格林斯潘(Alan Greenspan)的传记,其内容引人入胜、面面俱到。
例如比利时,它的人口不到小组赛对手俄罗斯的1/10,但被认为是一个巨大的威胁。而乌拉圭尽管人口还不到400万——仅仅是大圣保罗人口的1/6——却是巴西在通往决赛之路上最不想碰到的球队之一。为何如此呢?
巴韦贾对全球化不断变化的性质的深度分析显示,全球贸易增长疲软背后的主要因素是投资减速。全球贸易增速曾在很长一段时间内是全球GDP增速的两倍。

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为了解决上述问题,报告建议应尽快制定电子商务法。同时,该报告还呼吁应建立一个在线信用体系,以此加强对电子商务行业的纪律监督。
推进健康中国建设。

“有些诡异的是,这跟马克o贝尼奥夫创立Salesforce.com时的情形非常相似,这点地方根本不够从事客户关系管理(CRM)使用,”米奇o哈珀表示。他与联席CEO艾迪o马查拉尼在2009年创立了这家公司。
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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

但是,我们也许终于走到了终点。也许只有在该剧落幕之后,它对成衣秀的影响力才会终结。也许我们对历史无休止的模仿(是的,我们曾模仿70年代的风格以及80年代的大波浪头和高垫肩)才会最终停止。
以丹麦为例,如今,88%的丹麦人口都是白人——这样的多数地位很难动摇。但在1980年,也就是上一代人的时候,丹麦有97%的人口是白人。反移民的丹麦人民党(Danish People’s Party)现在是丹麦议会中的第二大党。在德国,从2011年到2015年间,非本土出生人口激增了大约75%,反移民的民粹政党德国另类选择党(Alternative for Germany)如今获得了破纪录的支持率。
‘Homeland’ This Showtime espionage thriller seemed destined for irrelevance after Brody (Damian Lewis) was finally killed at the end of Season 3. Season 4 has so far turned out to be remarkably vital and exhilarating without him, this time by pitting Carrie (Claire Danes) against a beautiful, deceitful Pakistani intelligence officer, Tasneem, (Nimrat Kaur).
她笔下的人物们觉得自己为了登上“美国梦”的山巅,经历了漫长的排队等候,但是上山的队伍放慢了速度,甚至停顿下来了。而那些移民、黑人和其他“外来者”似乎还在插队。

下面是一些应该引以为戒的例子,求职者:
他说,“油价将波动上行。”

Best Companies rank: 11
而最终取得压倒性胜利的是福特公司(Ford)的CEO马克?菲尔茨(Mark Fields),去年年初他曾令人沮丧地宣布他的公司正“从一家汽车公司向一家汽车公司兼出行公司转型”。他紧接着声称:“遗产是蕴藏着前景的历史。”他超爱这句话,说了不止一次。这句话被他翻来覆去地说,让我觉得它不像格言反倒更像废话。因此本年度新晋“首席蒙人冠军”(Chief Obfuscation Champion)非菲尔茨先生莫属。
赫洛维兹承认,他这样做时不得不小心翼翼,以保存这部间谍小说的首位作者伊恩·弗莱明(Ian Fleming)所创造的007的个性和态度。弗莱明于1964年逝世。
Ultimately, democracy, or a democratic republic, provides a way for people with different views and even cultures to live side by side in reasonable harmony.
China must walk a narrow line at a time when its outgoing leadership is reluctant to take any far-sighted decisions.