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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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.
《法律与秩序：特殊受害者》(Law & Order: SVU)：NBC频道的这部电视剧上一季中的危机仿佛是从肥皂剧中搬来，发生了各种大事，奥利维亚（Olivia，玛莉丝卡·哈吉塔[(Mariska Hargitay]饰）经历了许多危险——喜欢跟踪的变态强奸犯，折磨人的婚外恋，新生婴儿，现在这一切终于平息下来。在今年的第16季中，侦探们回到了重要的性犯罪上，其中一集的灵感来自雷·赖斯(Ray Rice)，讲述的是从监控录像中看到一个著名体育广播员殴打自己的妻子。
"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.
Job-searching employees often send these subtle signals without expecting their managers to notice, Kay says. But they do。
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
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.
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.
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
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.
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.
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”)
Read:Best Rewards Credit Cards. ]
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
Rachel Bloom burst into tears as she won best lead in a comedy or musical TV show while Amazon show Mozart In The Jungle was another surprise victor at the awards show when it was named best TV comedy.
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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Nothing else matters, not even basic astronomy.
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.