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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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Here's a look into social media's crystal ball for 2014. Will Snapchat catch fire? Will those annoying Promoted Tweets keep invading your Twitter stream? Will your boss finally learn to tweet? These five trends are poised to shake up the industry and the way we use social media in 2014:

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

Together, the world's 10 highest-paid models banked a cumulative $109.5 million between June 1, 2016, and June 1, 2017, before taxes and fees.

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

More advanced components are in short supply, however, which could leave many customers waiting long after September to get hold of the new iPhone. That presents an opportunity for rivals such as Samsung’s new Note 8 or Essential, the smartphone maker led by Android co-founder Andy Rubin, which is targeting premium customers such as Apple’s with its slick $699 device. Google is also said to be preparing a new version of its Pixel smartphone, which has proved popular with early adopters.

According to the search engine, Euro 2012 beat Olympics tickets as the top internet search of the year in the UK, the Sun reported.
The Raptors entered February as the team that most needed to make a move: their hot start was fading, their defense wasn't up to snuff for a contender, they had a massive hole at the four, and they felt added urgency to make the most of Kyle Lowry's prime in advance of his upcoming free agency.
Whether or not any sort of BlackBerry-Samsung deal actually happens, the development highlights next wave of innovation (and litigation) in mobile technology: one centered on access control methods and containing corporate breachesin an increasingly mobile world.
JM家庭企业公司:忠实员工奖励度假
But 'averages' are old data, not future facts. Happy talk won't restart a bull. And more warnings won't puncture an old bubble. Cycles have lives of their own, move up and down when they damn well feel like it. That's nature.
4.不推崇微化管理

One of the men even swoops in to give the girl a quick kiss on the cheek. He turns around in mock-embarrassment and gives his friend a hug, while the young woman speaks to her friend in French.
7.《大白鲨》
就毕业3年后的学员薪资而言,德国的管理硕士课程排名居前,有3所商学院进入前4名。奥托贝森管理研究院(WHU Beisheim)的毕业生享有薪酬最高的名声,平均薪资为9.8123万美元。
The government-sponsored students have signed an agreement that says they are required to reimburse the government if they do not return home after completing their studies, said Xiong Binqi, vice president of 21st Century Education Research Institute.

还有仅仅9所商学院参与了所有4项排名。它们的排名从第三(西班牙企业商学院)到第38位(米兰理工大学MIP管理学院(Politecnico di Milano School of Management))不等。
如果你失业已经有一段很长的时间了,可能该是时候考虑一份你以前没有考虑过的工作了。
Wages will finally accelerate after years of stagnation
8.Form or Join a Study Group

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MBA榜单上,伦敦商学院、INSEAD和西班牙企业商学院(IE Business School)毕业生的薪酬相差无几,只有几美元的差距。INSEAD的毕业生薪资最高,为15.5015万美元。
当你在工作的时候,你的效率应该是很高的。不然的话,那就是在浪费你自己的时间和公司的财富。如果你很厌倦,一天当中大多数时间是在浏览网页,你可能是想要寻找其他的能够激励你的工作机会了。

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.

2. Will China's stock market climb back to 6,000 points?
Ashley Graham, 30, is the first ever curve model to make the highest-paid list, coming in at 10th place after banking $5.5 million from her lingerie and swimsuit lines contracts.
Which showed month-on-month prices had fallen – albeit marginally – in Beijing, Tianjin, Shanghai, Shenzhen, Xiamen and Zhengzhou during the second half of the month.
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After laying low for months, Taylor made a spectacularly bold return with this new album.
In this Sept. 18, 1990, file photo, Steve Jobs, president and CEO of NeXT Computer Inc., shows off his company's new NeXTstation after an introduction to the public in San Francisco
实话说没有其他国家能拥有中国那样的优厚研究条件:一个有着长期明确财政支持和庞大国内市场的政府——尽管大部分市场并不自由。市场预计中国国内航空市场将在当前基础上翻四倍,到2036年乘客总数将两倍于美国,达到16亿人次。

But industry watchers say that view misses an area where China goes toe-to-toe with Western rivals in innovation: extra features that make the Chinese version more interactive and more interesting to use.
Major pharmaceutical companies, working with the American Cancer Society, will steeply discount cancer drugs for patients in African countries. Cancer kills 450,000 people across the continent each year, but many types here are among the most treatable: breast, cervical and prostate tumors.

He did several makeup tests to get the look that would so dramatically change Mr. Carell. “We were literally creating a new human being,” Mr. Corso said.
去年,酷热天气覆盖了阿拉斯加州和大部分美国西部地区。地面温度在所有有人居住的大陆上都创下了记录。科学家说,海洋表面在除南极洲附近海域以外的几乎所有水域中都异常温暖,为造成巨大破坏的太平洋风暴提供了能量。
猪肉价格同比上涨4.8%。猪肉在用来计算CPI的以食品为主的一篮子商品中占有较大权重。

在上周二晚上放学后,孙轶潇乘坐电梯回家,可是电梯突然故障停止运行。
奥巴马在该推文中引用曼德拉的话称:“没有人生来就因为他人的肤色、背景或宗教信仰而憎恨他们……”
分析师们表示,未来几个月整体进口数据可能开始好转,因为大宗商品价格下跌在2014年底尤为显著,这将意味着按价值计算的中国进口同比降幅较小。
冲击奖项:最佳电影提名应该可以肯定。参演《至暗时刻》的加里奥德曼是最佳男主角的最热人选,如果说有谁能击败他的话,那可能就是克莱门特了。

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.

感恩节当天,沃尔玛、塔吉特(Target)和Kmart等美国大型零售商都开门营业,以便借假日购物旺季大赚一笔。今年,沃尔玛开始营业的时间甚至比去年早了两个小时。但好市多拒绝加入“黑色星期五狂欢”,感恩节并没有开门营业。首席执行官克雷格杰利内克认为,给员工放一天假比提高公司利润更加重要。
喜剧类最佳男演员:杰佛里?塔博(Jeffrey Tambor),《透明家庭》(Transparent)
索尼(Sony)宣布,其游戏主机Playstation 4s已经在全球售出超过1,000万台,这预示着对玩家客厅的争夺战今年将继续上演。为了维持增长态势,索尼在展会上发布了一系列独家游戏,包括Ninja Theory开发的动作游戏《地狱之刃》(Hellblade),《雷曼》(Rayman)制作商Michel Ancel开发的开放世界式冒险游戏《荒野》(Wild),Housemarque开发的射击类游戏《异化》(Alienation)以及Q版游戏《明日之子》(The Tomorrow Children)。微软则发布了由Square Enix和Crystal Dynamics制作的《古墓丽影:崛起》(Rise of the Tomb Raider),这是劳拉o克罗夫系列重新启动后的第二部作品,将在2015年于Xbox平台独家发布。Xbox在2015年还有另外一款游戏大作的续集《光晕5:守护者》(Halo 5: Guardians)。

Over at Huffington Post Mark Gongloff warns: That 'dramatic downgrade of U.S. economic growth in the first quarter revealed the economy's lingering weakness, exposed the folly of Washington's austerity obsession and slapped the Federal Reserve's newfound optimism right in the face.' And with politics deteriorating, it'll get worse.
5. Bank of America Corp.
A robust LinkedIn presence is crucial to any job search. You know that. Your manager knows that. And your manager probably knows that you know that – so she'll be concerned when you go from having a bare-bones profile on Monday to one jacked with additional work history, new connections, status updates and recommendations by Friday. "Don't go from zero to 500 overnight, because that can be quite obvious," Foss cautions。
同时,城市周围的乡村地区将会进行修缮,低端的制造厂和公司将会迁移。
然而,这可能被欧洲和中国的投资下滑抵消,如果中国打算在一定程度上由投资于资源耗费高的建设项目,转向投资于水净化等对大宗商品依赖不强的基础设施项目,那么中国投资对全球贸易的影响将会加大。

4) I’m On It: You’re giving your full attention. You’re saying, “Relax. Don’t worry about a thing. I’ll see to it personally.” That response can disarm just about anyone. To express a deeper commitment, use “You have my word.” This makes you more accountable to someone, conveying that you’re on board and will make it happen…whatever it takes.
L2研究总监科林o吉尔伯特表示,这一系列合作标志着创新的摇篮与时尚的发源地终于开始牵手。吉尔伯特说,要解决可穿戴领域的难题,缺少的不仅仅是设计这一种要素,但设计确实是这个领域期待的元素。这份报告的调查显示,超过一半的受访者希望拥有看上去更像珠宝的可穿戴设备,62%的受访者更喜欢腕戴式设备。
Games are serious business in China. The country's online game market will reach 41 billion yuan by 2012 ($6 billion), accounting for half the global market, according to newly released data from Cnzz.com Inc., a Beijing-based third-party data analysis firm (related report in Chinese here).
A mother has written a letter in defence of her 14-year-old son who is facing a lawsuit over video game cheats in the US.

The ministry expects consumption to remain a strong force driving economic growth this year.
Chinese Cultural Relics is a new journal that translates Chinese-language articles, originally published in the journal Wenwu, into English. The discovery of the 1,700-year-old cemetery was included in its inaugural issue.

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

让苹果公司内部“各路藩王”和谐相处不是件易事。用一位在苹果工作多年的员工的话来说,公司内部仍然存在“巨大的紧张感”。“这种紧张感是他管理公司的手段,但也可以很危险。”
Movies in 2016 are going to be huge and there's going to be a lot of them. Some of the best movies coming in 2016 include,Batman vs Superman: Dawn of Justice, Captain America: Civil War, Fantastic Beasts and Where to Find Them, Finding Dory, Rogue One: A Star Wars Story, X-Men: Apocalypse, Independence Day: Resurgence, WarCraft and Suicide Squad.
中国最高质量监督部门日前表示,去年通过网购平台出口到中国的消费品,超过40%是不合格的。
Beyoncé featuring Nicki Minaj “Flawless (Remix)” (Parkwood/Columbia)

而在科隆游戏展上正式宣布的特色作品中,《寂静岭》(Silent Hills)的最新续集赫然在列。这是科乐美(Konami)最为畅销的恐怖题材游戏(还据此改编成了两部电影)。世界级游戏和电影专家,《合金装备5:幻痛》(Metal Gear Solid V: The Phantom Pain)的制作者小岛秀夫,以及《环太平洋》(Pacific Rim)的导演吉尔莫o德尔o托罗在这部游戏中强强联手。曾出演美剧《行尸走肉》(The Walking Dead)的影星诺曼o瑞杜斯将在游戏中担纲主角。
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The number of people holding degrees from colleges or universities reached 170.93m, which means there were 12,445 people with an advanced education per 100,000 people in 2015, up from 8,930 in 2010. The number of people who had attended a senior high school also increased, and the number who had only completed lower-level education fell.
Hurun Chairman Rupert Hoogewerf said: "Those entrepreneurs should be called 'super wealth creators' instead of simply 'rich people', which could highlight their contribution to China's society and economy."
Anjli Raval
电影主人公名叫韦德·威尔逊,由瑞安·雷诺兹扮演。威尔逊是一个拥有超强自我修复能力的雇佣兵,擅黑色幽默。他一直在寻找那个将他投入凶残实验、几乎毁了他一生的人。《死侍》由漫威公司出品, 塑造了一个超常规的反英雄人物。
Stanford Graduate School of Business in California rises from fifth place in 2016 to second, a position it last held in 2014. The Wharton School of the University of Pennsylvania is in third place.