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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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Every four years, Allianz holds an international Olympics for its sports teams. The company covers the athletes' expenses and has an opening ceremony; in 2010, the games were held in Budapest with over 70 countries participating.

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

It has now entered the top 20 for the first time.

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

Every employee wants a pat on the back once in a while, and the best bosses understand the importance of recognizing and appreciating employee contributions. This doesn’t have to mean bonuses or fancy corporate awards, but regular and meaningful expressions of appreciation。

该版猴票为我国发行的首套生肖邮票,因此颇受追捧。据悉,一枚邮票的价格已经从当时的发行价8分涨至1.2万元,整版价格更是达到150万元。
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Perhaps the more interesting question is what drove Yahoo! to shell out that reported $30 million for a single app. To be sure, Summly's text-compression abilities dovetail nicely with Yahoo!'s new focus on mobile utilities. Along with Yahoo!'s $1.1 billion purchase of the blogging service Tumblr and the launch of an acclaimed new weather app, the Summly move marks a commitment to owning the tiny real estate of the smartphone screen-and serving advertising to the youthful eyeballs that tend to gravitate to mobile devices.
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Their inclusion has come at the expense mainly of European companies, signalling the shift in economic power towards the east. There is only one Indian brand in the top 100 ranking — HDFC Bank. Russian, Mexican and Brazilian brands have fallen out of the ranking in the past few years — a sober reflection of the changing fortunes of these emerging markets.

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全球新职介绍公司Challenger Gray & Christmas 的执行总裁John Challenger 说:“经济不景气之后,总会有个就业复苏期,但是我们的确对2010年的就业率不抱多少乐观态度。”
现在甚至还出现了标准的煽动剧本。
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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

About 200 million migrants, half of whom are women, sent $445 billion to their families in Asia, Latin America and Africa in 2016, the International Fund for Agricultural Development (IFAD) said last Wednesday.
为了解决上述问题,报告建议应尽快制定电子商务法。同时,该报告还呼吁应建立一个在线信用体系,以此加强对电子商务行业的纪律监督。

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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该报道表示:“乐天将伤害中国人民,后果可能是严重的。”该报道发表之后,中国政府对乐天在中国的商业集团开展了多起调查。
凭借创新性的信用评级技术,4年前创办的陆金所已经发展成为行业的领头羊。
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Will José Antonio Meade be the next president of Mexico
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The U.S. Veterans Day holiday also coincides with other World War One-era holidays around the world, including Remembrance Day in Britain and the Commonwealth nations of Australia and Canada.

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在英国,从2004年到2014年,非本土出生的人口增长了66%。最近的全民公投中,投票选择“离开”的人大都说移民问题是自己最大的顾虑。

As PC use declines, infecting them with viruses just won't be as much fun any more. I'd expect to see malware, worms and viruses jump onto tablets and phones. As a consequence, we will all have to start protecting our devices more assiduously.
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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.

For starters, breaches like that of Bitstamp and the much larger (valued at about $400 million at the time) 2011 hack of the exchange Mt. Gox are often misconstrued as security issues with the currency itself. But they are only signs of flaws in those particular exchanges and not a sign of an issue with the underlying technology. And it is the underlying technology behind bitcoin that most excites. As we wrote in the “Shape the Future” package of our January 2015 issue, most of the vocal enthusiasts so bullish on bitcoin—from big-name entrepreneurs like Marc Andreessen to the developers and miners who spend their days refreshing the bitcoin Reddit page—are more interested in the applications that can be built on bitcoin’s “block chain,” the currency’s foundational backbone, than they are in bitcoin as a monetary system. The block chain allows the secure exchange of any form of value between two entities.
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报告显示,去年国内手机总出货量为5.6亿部,同比增长8%。
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单词fare 联想记忆:
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反对派是合法的,可以自由表达观点而且权力受到限制。

Staff numbers at insurance agencies also rose by 936,200 to a total of more than 5.6m people.
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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

Ahh, the glamorous life of AT&T: best friends with Steve Jobs, exclusive rights to the iPhone (for now) and carrier of choice on the iPad. So why, with everything going for it, did the stock miss a huge rally? In the year ending April 1, Apple soared 109% and the S&P 500 rose 41%. AT&T? Down 2%. The problem is growth, or lack thereof: little in its saturated wireless business and a decline in landlines, which still accounts for 25% of sales. Unless its high-speed Internet business takes off or the iPad drives new wireless growth, the beatings by Wall Street will continue.
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《经济学人智库》发布了2016年世界生活成本报告,根据各种产品和服务的成本对各国进行了排名。
"Demolitions are now becoming increasingly terrible. I am willing to ask a question very seriously as a CPPCC National Committee member: Can we not pay so much attention to GDP? Can we choose to slow down the speed of economic development?" CUI YONGYUAN, member of the CPPCC National Committee and TV host

Influenced by the current economic situation, and resource relocation in China's financial market, the banking industry is away from the high-speed growth period, the expert added.
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China’s trade surplus grew to Rmb496.2bn last month from Rmb382.1bn in December. Economists expected it to inch higher to Rmb389bn. In dollar terms, China’s trade surplus rose to $63.29bn from $60.09 in December and versus expectations of $60.6bn.
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