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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.

2016的很多电影都会有很好的票房号召力,但人们迫不及待想要观看的其实只有那么几部。
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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

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However, before starting their EMBAs, there is already a wide gap in salaries, with women earning on average 15 per cent less than men, at $111,000 and $128,000 respectively.

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

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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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比蒂在后台说:“这真是我遇到的最离奇的一糟事。感谢上帝!幸好是我们两个人在那里!”

特斯拉(Tesla)正处在蜜运中。这家电动汽车公司的财富以不可思议的速度积聚,而投资者仍在热烈地追捧它。
As for China, lack or stopped development represents the biggest risk for this country. So it is essential that we maintain steady medium-high growth of our economy and that in itself is China’s contribution to global stability.

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Global pharmaceutical spending will surpassthe trillion dollar threshold in 2014, with high prices for innovativehepatitis C and cancer drugs in the US, a new study says. By 2018spending is expected to increase by another 30 percent.
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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.

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It was last above 50 - the threshold separating contraction from expansion - in February.
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在这个风云变幻的世界,詹姆斯·邦德俘获了不少铁杆粉丝,是至今为数不多的仍在续拍的电影之一。在人们的意识里,无论发生什么事情,新的007电影依然会拍下去。
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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

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Are Some Molds Dangerous?
encourage
Song “Taste of China” (Phoenix Legend)

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大部分的科技从业人员都认为移动应用会发展、而电脑应用会减弱。这意味着企业都需要强劲、快捷和实用的移动平台,不重视这点的企业必然会失去消费者。

对专业投资者而言,2014年最令人沮丧的一点是,美国经济复苏时断时续。2014年1月,经济领域捷报频传。然而,在短短几周内,一场暴风雪席卷全美,各种经济数据似乎也因此停摆。
不过,我不在叹息之列。
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Captain America: Civil War will hit theatres May 6, 2016. Who's side are you on?
马特·劳拉