What Is a Finance Charge, and How Do I Avoid Paying One?
If you're savvy, you can avoid credit card finance charges entirely.
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
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The former Miss World Priyanka Chopra stands 9th on the world's most beautiful women of 2015 list. She is an Indian film actress and singer. She is one of Bollywood's highest-paid actresses and one of the most popular and high-profile celebrities in India. She has received numerous accolades, including a National Film Award for Best Actress and Filmfare Awards in four categories.
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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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Professor Kaufmann and a colleague, Gareth Harris, found that white Britons who lived in areas that are rapidly diversifying became more likely to vote for the right-wing British National Party. Daniel Hopkins, a professor of political science at the University of Pennsylvania, found a similar pattern of ethnic change leading to anti-immigrant politics in the United States.
Housing started last year on a high note. It ended the year facing mounting worries about higher interest rates, supply constraints, tight credit and a host of other problems.
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Life's ups and downs
Politics also color perceptions of the weather, the survey found. More than three-quarters of Democrats and six in 10 independents believe that the weather has become more extreme over the last few years, while less than half of Republicans say they have perceived such a shift.
Despite such arguments from a handful of scientists, the vast majority of those who study the climate say the earth is in a long-term warming trend that is profoundly threatening and caused almost entirely by human activity.
Busting through the glass ceiling
While he wins the Nerb prize, the sister prize, for the best verb masquerading as a noun, is won by another consultant who referred to a “global touch-base”.
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.
About 71.9 million units were shipped in the period, which includes the key Christmas shopping season. IDC said the decline was the worst since it started tracking PC shipments.
Li Yi, a Shanghai-based independent IT expert, told the Global Times the surge in the number of smartphones was the primary reason for the growth in Net users.
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I'm assuming they'll end up around the No. 10 pick at this point; it's hard to get an instant franchise player that low, and New Orleans doesn't have all the time in the world.
China's mass entrepreneurship and innovation initiative has a strong vitality.
《失常》，导演查理·考夫曼(Charlie Kaufman)与杜克·约翰逊(Duke Johnson)。
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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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The new figures come as Mr Duterte fends off criticism at home and abroad over his anti-drugs campaign, which has seen 600,000 potential suspects voluntarily turn themselves in to authorities.
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