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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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妮妮·切利(Neneh Cherry),《空白计划》(Blank Project), Smalltown Supersound

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

Honda has recalled more than 10 million vehicles in the U.S. to fix a potentially fatal defect in air bags made by Japanese supplier, Takata. The air bag inflators can rupture after a crash and injure occupants with shards of metal. Honda has confirmed three deaths and 48 injuries in connection with such incidents.

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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反对:在颁奖季前一年早早上映可能不利于其冲奖。
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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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The average monthly salaries for grads in law, engineering and medical majors are 5,545, 4,512 and 4,500 yuan respectively, slightly down from last year, while graduates with educational and agricultural majors are offered lower pay, at 3,258 and 3,184 yuan respectively.
尽管榜单上以法国和英国学校居多,占全部上榜学校的44%,但今年的排行榜比以往任何时候都更多元化,上榜学校来自25个国家。
Sweden’s Proponent of ‘Feminist Foreign Policy,’ Shaped by Abuse
教育行业基本上还未受到在线服务交付的影响——但可能会在2018年经历戏剧性的变化。

37岁的吉赛尔·邦辰赚得1750万美元,排名第二,自2002年以来这是她第一次没有登顶模特收入榜单。
If you are a working-class white person and you fear that the new, cosmopolitan world will destroy or diminish an identity you cherish, you have no culturally acceptable way to articulate what you perceive as a crisis.
3所在这份榜单上叱咤多年的重量级学府——哈佛商学院(HBS)、伦敦商学院(LBS)和麻省理工斯隆管理学院(MIT Sloan School of Management)的排名下滑。哈佛商学院的排名下降两个位次,今年排在第四,这是这所位于波士顿的学府9年来首次跌出前三甲。伦敦商学院下滑3个位次,排在第六,为14年来最低。麻省理工斯隆管理学院的排名下滑至第13位,为10年来首次跌出前10。
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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

“这是我们租户运动生死攸关的时刻,”大都会住宅委员会(Metropolitan Council on Housing)的项目总监伊拉娜·迈尔(Ilana Maier)说,“如果我们现在不能大举强化规定,那么这些政策在十年内都发挥不了作用。”
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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.
在美国,纽约州、加利福尼亚州和得克萨斯州获得最多投资。中国企业在头号投资目的地纽约投资54亿美元,其中大部分投入三笔大规模金融服务和房地产交易。

苹果公司首席执行官蒂姆库克
根据报告显示,2016年第三季度增长的工作人员需求还包括拥有品牌推广技能的人,很可能要感谢“小型企业”需要为他们的公司在线网站创造一种有凝聚力的一致性的策略。
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.

A hilarious video showed the swaying crowds singing Can’t Take My Eyes Off You and Hey Baby to the laughing young woman in Bordeaux.
尽管Facebook在中国被屏蔽,腾讯还是将微信同Facebook连接起来,这意味着中国以外的用户可以同时使用微信和世界上最流行的社交网络。在印尼、泰国和菲律宾等东南亚国家,这对腾讯是有好处的,因为这些国家拥有很多Facebook用户。腾讯针对这三个市场都推出了各自语言版本的微信。

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
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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.

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达洛伊西奥说,我本来只是打算在苹果app store用一两英镑的价格出售这个软件,然后用赚来的钱给自己换台新电脑。我之前从没联系过任何投资商。而如今一个香港的亿万富翁竟然给我发电邮了,这太诡异了。第一封邮件我没有回覆,于是他们又给我发了第二封。2011年8月份,他的父母带着不可置信的心情陪他一同与维港投资的代表进行了会面。会谈结束后,达洛伊西奥获得了30万美元的种子投资。
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.

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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.
在中国永久居留的外国人在投资、购房、受教育等方面享受中国公民同等待遇。
‘The Mindy Project’ It doesn’t matter that Mindy Kaling’s comedy on Fox is in its third season and still not a hit, because it keeps improving with age. It has grown from a one-comedian showcase into a very funny ensemble effort, thanks in part to the addition of Adam Pally in Season 2 and jokes about Ms. Kaling’s alma mater, Dartmouth.
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China's mass entrepreneurship and innovation initiative has a strong vitality.
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北方高等商学院毕业生的平均薪酬水平为10.5万美元,排名第11位,而斯隆毕业生为14.36万美元。他们的薪资增幅为79%,排名第七。

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

Wade was probably a little easier to stop back in high school before he had filled into his 6'4'' frame that makes him so unstoppable today.
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国考分为笔试和面试两部分。笔试成绩将于1月发布,面试预计在2月或3月举行。
10月份,尽管中国出台了大量限购措施,中国新建住宅价格增速却仍然加快。

8. A lovely flower doesn’t belong to the one who appreciates it, but to the dunghill it grows on. (“To stick a lovely flower in the dunghill” is a popular Chinese saying, normally used to describe the common social phenomenon of a pretty girl marrying an ugly but rich guy).
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.

本田执行副总裁里克o斯考斯特克在一项声明中表示:“我们已经解决了这一问题。本田已经在早期预警报告中采取了一些重大举措来解决过去的缺陷问题,现在我们将更进一步,加强这些举措。我们将继续与国家公路交通安全管理局充分合作,提高透明度,改进报告工作。”
We will work proactively to expand effective investment.
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