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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?

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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 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

With assets under management of $200bn, according to Nomura Securities, Japan’s ETF market is about $50bn larger than all other Asia-Pacific ETF markets put together. At the end of August, the market value of the BOJ’s ETF holdings was $175bn.

最后,在EMBA榜单上,若剔除与非欧洲商学院的合办课程,瑞士洛桑国际管理发展学院(IMD)的毕业生的平均薪资为26.1397万美元,远远领先于排名第二的萨伊德商学院和排名第三的西班牙企业商学院。
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多年来,人们一直预测这个分散的行业将会整合,近期的确出现了大规模合并。但毫无疑问,伦敦金融城的律师事务所正在承受越来越大的价格压力。
欧洲专利局上周二发布的数据显示,2016年,中国企业向欧洲专利局共递交7150项专利申请,同比增长24.8%。
近几个月,为了遏制资本外流、缓解人民币贬值压力,中国监管机构针对海外并购出台了一系列新限制措施。2016年,中国企业对外非金融类直接投资额激增44%,达到创纪录的1700亿美元。
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Loyal employees of this auto services company are rewarded on their 10th anniversary -- and every five years after --with a weekend getaway at a resort in Boca Raton, Fla. (The company is headquartered just 15 minutes away.)
Whedon had always loved the seemingly separate ideas of sci-fi and westerns, and through The Killer Angels, he saw a way to combine them. "I wanted to play with that classic notion of the frontier," he said. "Not the people who made history, but the people history stepped on—the people for whom every act is the creation of civilization." And Whedon decided to set the frontier on a spaceship: a ship named Serenity.
他还表示“包括现代汽车(Hyundai Motor)和爱茉莉太平洋(AmorePacific)在内,几乎每家韩国大企业都严重依赖对华销售。”
With an increase of 7 percent over 2013,total spending on medicines will amount to $1.06trillion in 2014, says the report"The Global Use of Medicines: Outlook through2018" from the IMS Institute for Healthcare Informatics, releasedThursday.

本文作者为卡内基国际和平基金会(Carnegie Endowment)高级研究员、世界银行(World Bank)中国业务局前局长,译者/何黎
上周二,Snapchat推出了一种名为Discover的服务,Vice、CNN和《人物》杂志等媒体可通过它在Snapchat发布视频内容。已经有几个频道推出广告服务,要价可不便宜。据《广告周刊》报道,Snapchat的广告标价是每天75万美元。
今年夏季,美国ETF管理的资产规模跨过3万亿美元大关,亚太ETF行业管理的资产仅成功爬上3500亿美元关口。
参与沙特反腐行动的一名官员称,达成金额据信超过10亿美元的和解协议后,在该国反腐风暴中被捕的地位最高的沙特王室成员之一、米特卜·本·阿卜杜拉王子已获释。

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

China’s trade with the rest of the world fell sharply in October from a year earlier, with imports of raw materials particularly hard hit as slowing Chinese investment feeds through into weaker demand in the world’s biggest trader of goods.
中国工业和信息化部副部长毛伟明在一次新闻发布会上说:“在我国经济发展进入新常态的形势下,工业面临着下行压力加大、结构不尽合理、创新能力较弱。”

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.

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"某时,世界呈现给我们是相互分隔的,但是这些电影和电视作品让我们感觉世界是相通的,"美国电影学院的总裁兼首席执行官Bob Gazzale如是说。"美国电影学院奖表彰这些电影艺术家们,勇于挑战,让我们受到鼓舞,娱乐,又励志,最后让我们意识到,我们都有着同样的心跳,"

变化世界中的得与失
辛塔·努里亚在印度尼西亚开展她的家庭运动。她举办不同宗教信仰者参加的活动,并建立了一个进步伊斯兰女子寄宿学校网络。
"The editors thought the articles were being sent out to genuine reviewers in the discipline," he said. "Following our investigation and communication with the real reviewers, they confirmed they did not conduct the peer review."

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The Tsinghua-Insead EMBA programme, launched in 2007, entered the FT rankings with a bang in 2012, going straight into fourth place with its very first cohort. The programme has since been ranked second, third, and finally has achieved first place in the rankings this year.

无论从哪个角度看,2014年都是本田汽车公司宁愿忘却或掩盖的一年,看看本田为2015年提出的宏大口号——“本田之年”就知道了。
5. Geopolitical flashpoints.In the not too distant past, a small supply disruption would send oil prices skyward. In early 2014, for example, violence in Libya blocked oil exports, contributing to a rise in oil prices. In Iraq, ISIS overran parts of the country and oil prices shot up on fears of supply outages. But since then, geopolitical flashpoints have had much less of an effect on the price of crude. During the last few weeks of 2014, violence flared up again in Libya. But after a brief increase in prices, the markets shrugged off the event. Nevertheless, history has demonstrated time and again that geopolitical crises are some of the most powerful short-term movers of oil prices.
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2.SpaceX demonstrates a big step towards fully reusable space craft
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Samsung’s comment was shorter: “Media reports of the acquisition are groundless.”

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.

China does not want to see a trade war between the US and China. That would not make our trade fairer and cause loss for the both sides.
Will Washington's tentative truce continue?
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根据国内领先的求职平台前程无忧近日发布的一份关于2016年应届毕业生的研究报告显示,52.11%的高校毕业生已找到工作或自主创业。
“LBS has broadened my profession horizons and opened international career opportunities,” said one graduate. He added: “In the three years after graduation I have worked in the US, Canada and Hong Kong, while rotating in different businesses from corporate banking to debt capitalmarkets”.
税:每年大约18036美元(约合人民币11.5万元)。
The punctuality rate of China's major airports is still far from satisfactory, according to the latest report published by local aviation statistic company VariFlight.

然后,新班子的第一个举动——用路易斯-威廉姆斯从火箭那里换来一个一轮签——是一个明确的信号,他们意识到必须不惜一切代价保证六月抽签时自己的选秀权能在前三。
It's lightweight and rolls up easily for travel.
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Here's a full rundown of the activity—and inactivity—with an eye towards naming this year's trade deadline winners and losers.

该研究基于数亿个安全问题的答案以及数百万条恢复账号登录的请求。
For example, taxi drivers who take a detour or refuse passengers can also be fined a maximum of 2,000 yuan.

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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根据贝克?麦坚时国际律师事务所(Baker & McKenzie)和荣鼎咨询(Rhodium Group)的一份报告,2015年中国国有企业和民营企业在欧洲(包括挪威和瑞士,以及欧盟)总共投资了230亿美元,创历史新高;在美国投资了150亿美元。
Top programme:Tsinghua/Insead
Most of the cellphones sold in 2016 are smart phones installed with the Android system and 4G ready, according to the report.

The letter surfaced in a Pennsylvanian university mailroom earlier this month.
但“平均”讲的是以前的情况,不是未来的事实。乐观言论不会让牛市重启,新的警告声音也不会刺破旧的泡沫。周期有自己的生命,该上行的时候上行,该下行的时候下行。这是很自然的事情。

The No. 1 thing in job security is your relationship with your boss. Even if he says, "I'm sorry I really wanted to keep you, but they made me lay you off," that's almost never true. He probably made that decision.
报告指出,他们的家庭平均每月大约会收到200美元,这占到了他们家庭收入的60%。使用这笔稳定的汇款,他们的家人可以解决吃饭、住房、上学、医疗问题,改善卫生条件,进行一些投资,或者有一定的存款。
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我敢保证,魔兽霍华德从未用过生长激素,但在其他人看来,他似乎用了很多。自从离开高中进入NBA后,霍华德的体形似乎翻了一番。
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