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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.

一部富有感染力的、描写一名年轻黑人男同性恋成长故事的影片《月光男孩》(Moonlight),获得2017年奥斯卡(Oscar)最佳影片奖。不过,该片险些与此奖项擦肩而过,原因是在混乱的颁奖现场,此奖项曾被误颁给了《爱乐之城》(La La Land)。
Bursts of color are instant energy suppliers. If you can, paint your walls or use furniture and accessories to provide a colorful oomph.

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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安德森想让男人们脸上的毛发丰富多样,每个演员脸上装饰的胡子都不太一样。它是名符其实的时髦派风格,从一字胡、八字胡,再到杰夫·戈德布拉姆(Jeff Goldblum)的黑灰色山羊胡。
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It set minimum prices too high for commodities including cotton, sugar and corn, and as those prices diverged from the market prices, authorities encouraged excessive production as well as strong import flows.

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"I'm excited about the opportunity to return to China, enjoy the country's culture, and bring the excitement of live NBA games directly to Chinese fans," he added.
In this case, the Lakers got a reasonable return for their top trade piece, prepared to give their young players like D'Angelo Russell and Brandon Ingram greater responsibilities down the stretch, and hunkered down for a tank that just might land UCLA star Lonzo Ball.
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Job-searching employees often send these subtle signals without expecting their managers to notice, Kay says. But they do。
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We will speed up the reform of SOEs and state capital.

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

教育部表示:“那些严重破坏考试秩序,损害教育公平公正的人将得到他们应得的惩罚。”
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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.

肯达尔·詹娜首次击败了15年里世界上收入最高的模特吉赛尔·邦辰。
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"电梯外面很多人,有我的老师,别的家长们,他们看起来都非常焦急,"孙轶潇在获救后表示。

The second event of note is Comac’s latest round of financing—it raised 15 billion yuan ($2.3 billion) last month in the form of a 10-year debt investment plan—combined with the memorandum of understanding (MOU) signed in June by Airbus and the National Development and Reform Commission (NDRC). The financing and MOU are intended to help bring about a fully developed, competitive domestic supply chain, the former through the injection of research and development money down the supply chain and the latter through the integration of Chinese suppliers in Airbus’s global supply network. The objective, as outlined in the “Made in China 2025” plan, is for Chinese suppliers to provide 80% of all parts by 2025.
The US electoral college has failed doubly.
The girl, said to be from Shanghai, paid the man between 1,900 and 9,500 yuan every day over a two-month period through online payments using her mother's mobile phone and debit card.

对于该行业规模有多大,众说纷纭,但高盛(Goldman Sachs)的数据表明,在2012至2014年期间,该行业的贷款规模从60亿元人民币增长至830亿元。
For almost everyone else, it was a year of frustration against a backdrop of better-than-average returns for the most popular index in the land.

In this Jan. 15, 2008, file photo, Apple CEO Steve Jobs holds up the new MacBook Air after giving the keynote address at the Apple MacWorld Conference in San Francisco
在P2P贷款领域,借款方被与投资者匹配,后者被鼓励将钱投入放贷,因为他们所得到的回报高于国有银行利息。
在星期六晚上他们再次献唱《悲惨世界》原声《Stars》。

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Like a lot of critics, I chafe against the arbitrariness of lists even as I recognize their utility. Since I can never stop at 10 — how could I, when something like 900 movies were released in North American theaters? — I picked 15 to match the year, ranked them and ended up fudging that count. So maybe technically it’s a top 20. The slots with more than one title aren’t ties, but double features, paired movies that complement, contend with or amplify each other’s best qualities.
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Justin Bieber剃发募捐 集得4万美金

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.

Prince Miteb bin Abdullah, one of the most senior Saudi royals detained in the kingdom's corruption crackdown, has been released after reaching a settlement deal believed to exceed the equivalent of $1 billion, an official involved in the anti-graft campaign said.
The fall in demand for industrial bulk commodities was particularly pronounced. Huge oversupply in China’s real estate and manufacturing sectors has damped investment in new capacity in recent months, denting demand for all kinds of raw materials.
Domestic brands still dominate cellphone shipments in China as Chinese cellphone makers accelerated innovation, an industrial report showed.

中国仍然是世界经济复苏乏力情况下推动全球增长的重要力量。
95后对就业的选择更加多元化,也更加青睐工作与兴趣相结合。
我们的前路应有尽有,我们的前路一无所有……
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Prior to the slowdown that began in 2014 employers in China had been less stingy with cash bonuses, which can total well over a full month’s salary and send employees back home for the holiday with plenty of cash for gifts to elders and other family members (or to squirrel away as savings).

Writing for a Mini-Series or Movie: D.V. DeVincentis, “The People v. O. J. Simpson: American Crime Story” (“Marcia, Marcia, Marcia”)
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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

1、Procrastination
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Index: 93.6
Now a white-haired grandfather, Belmonte has never regretted missing the 1950 match, particularly since his mother died just a few days later. "I decided not to go, and it was a good decision," he told the reporters.

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双语介绍《喜羊羊与灰太狼》
Nothing else matters, not even basic astronomy.
尽管购汇限制并未调整,但监管部门现在要求个人详细披露到底要用购得的外汇去做什么。购得的外汇只能用于旅游和购物、留学、境外求医以及咨询服务等经常项目支出。房地产和其他投资性支出属明确禁止之列。
But Michael DeFranco, chair of Baker & McKenzie’s M&A practice, hailed the Chinese group’s investment in developed economies.
Companies that cut support roles during the downturn, the report notes, will be "adding staff to help make departments more productive and efficient." That trend may herald a happy new year for job hunters.