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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?

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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.

Month-on-month producer prices rose 0.7 per cent, up from 0.5 per cent in September.
Next year, the mayor’s affordable housing plan, which calls for building or preserving 200,000 units of affordable housing over the next decade, will begin to take shape. It hinges on a policy that requires developers to build affordable housing in exchange for being allowed to construct taller and denser buildings in neighborhoods rezoned by the city. Developers and housing advocates alike are waiting to see what it will look like once the administration adds muscle and flesh to the bones of the proposal.

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

近两年P2P贷款行业迅速发展。根据E-Lending House,截至6月底,该行业未清偿贷款达2090亿元人民币。

Meanwhile producer prices fell 4.9 per cent year-on-year in February, as expected, compared to a 5.3 per cent fall in January. The drop was the smallest in eight months.
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执掌M&G旗下亚洲地产基金(一种开放式投资工具)的厄尔?斯普拉特(Erle Spratt)说,直接投资房产存在风险,因为这样的资产很难物色和定价。“这是一个像我们这样的投资者很难买到房产的市场,因为开发商持有大量房产,他们通常不卖,”他说。
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最近雇主已经加大招聘力度。劳工部数据显示,10月份新增就业岗位17.1万个,今年以来平均每个月增加15.7万个。这个速度高于去年,并且是2006年以来最强劲的就业增长。[qh]
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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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美国就业市场笼罩着重重阴云──特别是遭遇增税、减支双重打击的可能性,即“财政悬崖”。[qh]

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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Citing recent figures from the CPB Netherlands Bureau for Policy Analysis, that show global trade in seasonally-adjusted volume terms fell 1.1 per cent between September and October, Mr Leering suggests last year will prove to be the worst year for world trade since 2009.
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The alternative analysis is that the shift we have seen over the past three years is the beginning of a long-term structural shift which will see energy prices materially lower in real terms in the next half century than in the last. Those who take this view believe, to put it very simply, that the likely growth in supply is stronger than the growth in demand.

如果一并考虑过去几天里公布的数据,情况也不会变得更好。上个月,日本仍在与通缩和家庭开支下滑作斗争。不过,今天早上公布的零售业销售数据超出了人们的估计。
居民消费价格上涨2%;
Mr Cook has added three women to what was previously a white-male-dominated executive team and changed Apple’s board charter to commit to seeking out candidates from minorities when appointing directors.

Potus v Korus
Thor: Ragnarok

《自己土地上的陌生人: 美国右翼的愤怒与哀悼》(Strangers in Their Own Land: Anger and Mourning on the American Right)一书的作者阿莉?罗素?霍克希尔德(Arlie Russell Hochschild)对路易斯安那州的农村社区进行了四年的研究,她认为那里“深藏着”一种失去机会的感觉。
华特迪士尼公司(Walt Disney)首席执行官、自2011年起成为苹果董事会成员的鲍勃?伊格尔(Bob Iger)说:“人们说他外表冷淡,但他是个非常有激情的男人,而且勇于站出来捍卫自己的信仰。无论对个人生活还是对苹果,他都是如此。”
全食首席执行官约翰麦基

Phil Baty, editor of the rankings, said: "it seems that China's relentless march up the global league tables has stalled, after making major gains in recent years. This new data shows just how hard it is for emerging powers to break into the traditional global elite."
即便亚洲国家推出了在其他国家推动ETF市场蓬勃发展的监管措施,也仍存在其他障碍。例如,蒙塔纳里表示,提供给亚洲投资者的产品大多与国内市场的股票挂钩,因此ETF没有被用来让投资者在国内投资于外国市场。
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消费者的感觉变好。由于就业市场、楼市和股市状况的改善,消费者信心达到四年来的最高水平。美国陷入衰退后,美国人缩减债务,避免借钱并推迟购买。这意味着消费者需求增强的条件可能已经具备,进而可能促使停止招聘的企业开始扩员。信安环球投资有限公司的鲍尔说,企业可能尽可能地提高生产力增长,他表示雇主将需要增员来满足更强劲的需求。qh]

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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If a sitcom that lasts for 10 years is considered popular, then surely one that still stirs up emotions after 20 must be considered a classic. Friends first aired in the US in 1994, featuring a cast of six young men and women in New York. In the time since, it’s become one of the most famous titles in the sitcom genre, aired in over 100 countries and regions in the world.
This is only the second Nobel Peace Prize to come to auction. This award marked the first time someone from Latin America received the honor. The 1936 recipient was Argentina's foreign minister, Carlos Saavedra Lamas.

或许纯粹是巧合,但Magento首位产品经理蒂姆o舒尔茨也刚刚加入Bigcommerce,出任产品管理高级副总裁。舒尔茨近年来担任谷歌Shopping Express、Wallet等服务的战略合伙和商业发展高管,未来将专注于Bigcommerce的一站式体验,将电子商务和实体零售更好地结合起来。“消费者想要无缝化体验,”他说。
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姚振华在收购中国最大房地产商万科股份的竞争中引起了关注。

“He’s had more of a sense of swagger and confidence” in recent months, says Jan Dawson of Jackdaw Research.
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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

然而,他认为,“在解释新兴市场危机的发生率时,美国的货币政策往往与新兴市场国内因素同样重要——如果不是更重要的话。”
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中国的旅游业官员正力图在2014年扭转入境游客减少的情况,专家认为,如果能对其过时的旅行团进行改进并降低票价,这一计划就有可能实现。
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Gitanjali Rao是从10名参加决赛的选手们中被选出来的,他们花了三个月的时间与科学家们进行合作,来实现自己的想法。

Jacobs vowed at the meeting to improve management and cooperation with the association to enhance the credibility of the science. He stressed the publisher was not targeting China, as it had also retracted papers by experts from other countries, the statement said.
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谁也不愿意自己的家门口整天闹个不停。
It's impossible to list every woman who's ever existed, this list obviously be restricted to women who've achieved a fair level of celebrity. These are the hottest women celebrities of 2015.