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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.

The experts warn that adding a number or symbol to a common word is also an ineffective trick.‘Hackers know your tricks, and merely tweaking an easily guessable password does not make it secure,’ said Slain.
n. 购买,购买的物品

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

中国中央和地方政府会对技术升级方面投入更多的经费。 包括现代化农业、运输、医疗等方面。这些积极的投资将会进一步提高中国生产和制造业的竞争能力。这将是一次国家行为,目的是为了推动提高产品质量和产品合格率以及以提升产品主导的全球竞争力。

Mayweather Jnr - who is capable of demanding pound 70 million a fight - fell to 16th. He pocketed pound 20 million in ring fees with an additional pound 5 million coming mostly from his clothing brand TMT, The Money Team.
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Mr Siddeeq, a retired teacher who is now living in the mid-western city of Indianapolis, said he was shocked when he was contacted by the university.
卓越雇主排名:66
China's 2016 office box sales are expected to exceed the 2015 total of 44 billion yuan (6.8 billion U.S. dollars), the country's film watchdog said.
发行于2013年的《炫富帮》是一部语带讽刺的犯罪剧情片,记录了一帮好莱坞山高中生的冒险,他们偷到了当地名人的家里。少年们进入梅根·福克斯和帕丽斯·希尔顿这样的偶像家,偷走现金、衣服、手袋和珠宝,用来模仿杂志上让他们羡慕的奢华生活。在朋友圈炫耀战利品的照片后,他们终于被抓进了监狱。

About 980 million yuan of illicit assets were recovered, according to the Communist Party of China Central Commission for Discipline Inspection.
一场破坏力巨大的金融危机令企业主和高管们在增加雇员和投资新设备上尤为谨慎。一些人士还担忧来自华盛顿或海外的风险。其他人士则预计消费者将维持缓慢但稳定的支出速度,这使企业没有太多动力来动用现金储备。
A Florida teen is causing strangers to freeze and stare because of her uncanny likeness to Queen Elsa from the Disney movie Frozen.
Native social media ads -- the ones that appear right in your Twitter and Facebook streams -- exploded in 2013. Love 'em or hate 'em, they're only getting bigger in 2014. This year, expect some significant, if slightly creepy, advances in location-specific targeting. Twitter, for instance, just unveiled a feature enabling paid Tweets to be targeted by zip code. You walk into a neighborhood, for instance, and suddenly Promoted Tweets for the local watering hole, dry cleaner, and McDonald's (MCD) pop up in your Twitter stream. This kind of "geo-fencing," which Facebook has had since 2011, enables businesses to court nearby customers who might actually want to get ads offering special deals, in-store specials, etc. The upside: more relevant ads and promos you can actually use. The downside: more ads.

葡萄牙的成就说明这种转变是可行的,它为各国政府和能源公司提供了一个实实在在的范例,也告诉他们为什么现在应该投资太阳能、风能、波浪能和其他可再生技术。
吊床架组装方便,可以架在桨板、橡皮船和皮筏上。
A Datafolha polling group survey published in the Folha de S. Paulo newspaper showed that at Saturday's Brazil versus Chile match, 67 percent of attendees classified themselves as white and 90 percent came from Brazil's top two economic classes, which represent about 15 percent of the country's population.
“Right now the fitness tracker isn’t on that list,” he says, “but the next generation of wearables has the potential to pass that critical milestone.”

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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Will the Saudi Aramco public offering debut on an international market

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.

Bank of China posted earnings per share of Rmb0.56, down from Rmb0.61, and a pre-tax dividend per share of Rmb0.175, down from Rmb0.19 last year.
Despite the reported success of the Duke and Duchess of Cambridge's official visit to Canada back in September, timekeeping needs to be looked at for future trips.
These artificial ears will be a huge benefit to those who suffer injuries or who have microtia, a condition that keeps the ears from ever developing.
New Year time is here. I hope you have a wonderful New Year. May every day hold happy hours for you.

NBS senior statistician Sheng Guoqing attributed the slowdown mainly due to a 1.4-percent decline in food prices, which were down for the first time in 15 years.
Airlines with operations based west of the Rockies boast the fewest flights that arrive late during the holidays, according to data compiled for Forbes.com by FlightAware.
上榜的12所美国学院平均而言是性别比例最为平衡的,女性学员比例为48%。

‘Jordan,’ ‘harley,’ ‘robert,’ ‘matthew,’ ‘daniel,’ ‘andrew,’ ‘andrea,’ and ‘joshua’ all made it on the list – along with ‘football,’ and ‘lakers.’
戈尔迪·霍恩(Goldie Hawn)曾因影片《仙人掌花》(Cactus Flower)获最佳女配角奖,她的奖杯坐落在一个非常富有禅宗气息的地方——她的“印度房间”,她常在这里冥想。她的小金人并不是唯一一个和主人有共鸣的奖杯,罗素-克洛(Russell Crowe)曾在影片《角斗士》(Gladiator)中身着罗马战士裙装,扮演了一个威猛、极具感情和个性的古罗马战士--司令官马克西姆斯,他的奖杯放在鸡舍中,因为克洛相信小金人能够保佑母鸡下出更大的鸡蛋。

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v. 弄短,变短
林怡仲预测道,下半年A股IPO的数量或将维持与上半年相当,预计2016年全年A股IPO为120宗左右,融资规模在600-800亿元人民币左右。

10. “移动珠宝”(Run the Jewels),《移动珠宝2》,Mass Appeal。说到迫切和讥讽,杀手麦克(Killer Mike)和EL-P都是地下说唱界不同圈子里的资深人士了,他们组成的“移动珠宝”在第二张专辑里找到了坚实的互相吸引。他们的说唱强大有力,关注点狂热喧闹,专辑抨击没有让任何人摆脱困境的权力结构。
That calm can sometimes be taken for a lack of the urgency that is vital in the fast-moving tech industry. Many were disappointed that Apple Watch was not made available to buy this year. But analysts say Apple’s approach of waiting until it has perfected a product usually leads to stronger long-term performance. Samsung, whose smartphone sales have suffered this year, is on its sixth-generation smartwatch, but has still not found a real hit.
瑞士、瑞典、英国再次占据榜单前三名。全球创新指数25强经济体中,有15个来自欧洲。
时间:2010-05-17 编辑:francie

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.

美国退伍军人节也跟世界其他国家纪年第一次世界大战的节日重合,其中包括英国和英联邦国家澳大利亚以及加拿大的纪念日。
以下是专家提供的,明年的生存和发展建议:
Adding to the growing literature of sell-side analysts who think the answer to Apple's (AAPL) market valuation woes (down 35% since September) is a low-cost iPhone, MorganStanley's Katy Huberty has looked at China, the world's largest smartphone market, and done the math.

许多人对此不屑一顾,《纽约每日新闻》采访到的一位营养师声称,黄金披萨中最昂贵的成分:厄瓜多尔进口黄金薄片缺乏营养价值。
老实说,如果你想观看一部让你大笑不停的网飞原创影片时,请去看《不可思议的杰西卡?詹姆斯》,因为这部轻松浪漫的喜剧片会让你笑到爆。
我们也不希望打贸易战。我们坚持人民币汇率形成机制的改革,保持了人民币汇率在合理均衡水平上的基本稳定。
最不守时奖
7. Pumping Iron Could Enhance Long-Term Memory

在接受《每日电讯报》采访时,玛蒂说:“我再也无法过上平凡人的生活了。因为大家很容易认出我来,甚至当我出去玩或是和朋友吃冰淇淋都能被路人认出来。”
据中国岛主联盟发起者林东估计,目前中国至少有600名岛主。
上榜理由:被低估的欧洲瑰宝
As US ETF assets under management passed the $3tn mark this summer, AUM in the Asia-Pacific industry just managed to creep over $350bn.

The questions can seem like a sudden reversal after decades of rising multiculturalism, through the civil rights movement in the United States and the European Union’s opening up of borders.
4. AT&T

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

李说,今年有好几个服务于老龄化人口金融和医疗需求的工作挤进了前10名,包括听力矫治专家、理财规划师和理疗师。
该研究基于数亿个安全问题的答案以及数百万条恢复账号登录的请求。
For all of these films, Ms. Swinton used the same tooth-designing specialist, Chris Lyons of the company Fangs F/X in London. His work has led him to designing all manner of teeth, including gold fangs fitted for a Doberman used in a Kanye West music video.
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Attractions: Europe’s underrated gem.
From the beginning, social networks have been effectively walled off from the Internet. The treasure trove of content on Facebook, for instance, doesn't generally show up on Google (GOOG). But does it have to be that way? Wouldn't it be convenient to see Twitter search results automatically displayed alongside a standard Google search, for example? And why, for instance, don't the latest tweets about a restaurant pop up when you're searching Yelp (YELP)? The competing interests of different networks sends this content behind proprietary walls, but a number of tools offer creative ways to bridge the gulf. (Full disclosure: My company has developed one such tool.)

伦敦商学院的学员品质优秀,这让该商学院尤其具有价值。一位2011届的MBA学员表示:“跻身于如此人才济济的学习环境让我坚信,我可以独立做成某些事情。”
去年年末,世界卫生组织宣布,寨卡病毒不再是全球紧急公共卫生事件。然而,人们才刚刚开始认识到这种病毒对婴儿及其未来几十年生活的影响。在巴西东北部,人们首次发现了病毒与小头畸形等出生缺陷之间的联系,家庭竭力为患病婴儿提供最好的生活。研究人员希望通过研究在巴西出生的一对双胞胎,来寻找病毒对胎儿影响的线索。这对双胞胎中,一个有出生缺陷,另一个没有。
二,7月与空客和国家发改委签署谅解备忘录后,上月份商飞以一份十年期债务投资计划成功融资150亿人民币。融资和签署备忘录旨在帮助形成一个成熟的、有竞争力的国内供应链,前者通过注入研发资金,后者通过整合中国供应商在空中客车的全球供应网络。“中国制造2015”计划中提到,到2025年中国供应商有望能提供80%的飞机零部件。
“Tangerine” (Sean Baker)
根据这份新报告,在过去20年里,印度是发起反倾销案最多的国家,在1995年至2015年间发起的4990件反倾销案中,印度发起了767件,占比为15%。同期,美国发起了570件,欧盟发起了480件。