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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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约翰奥瑟兹(John Authers)

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

IE商学院校友在毕业后的薪资平均涨幅方面排在第二位,为39%。在实现目标以及国际流动性方面,该学院排名居首。在职业发展方面,排名第三。“在职业发展方面,攻读在线课程‘前后’确实是有差别的,”该学院的一名校友表示,“读完MBA后,我心中更有方向感了,不仅明白了自己想要达到什么目标,还有为何这么做以及如何达到目标。”

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

Social network Facebook Inc., e-commerce giant Amazon and toy company Lego were the top-growing brands.

In addition to the overall ranking, US News also offers region-, country- and subject-specific rankings, to allow for more tailored searching.
They will get more creative in 2018, including on non-cash benefits. Bank of America, for example, has just introduced a programme allowing employees of the global banking and markets unit to take a sabbatical — on full pay — for up to six weeks in a year. There are conditions: people must have been with the bank for at least a decade, and can request the time once every five years, to a maximum of three. But in a memo circulated this week, seen by the Financial Times, chief operating officer Tom Montag urged eligible employees to consider it.
The programme entered the ranking in second place in 2006 and was ranked top in 2008.
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Scientists have long investigated stem cells' potential for growing hearts, and they reached a major milestone this year when they created heart tissue than can beat on its own.
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The global trend of peace, development and cooperation and globalization are indivisible.
productive

The North has already warned that Park will "pay for his crimes in blood" if copies of the film make it across the border.
PPI已连续下降44个月,反映出建房材料和原料的供应过剩,以及重工业的产能过剩。
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Spanish business school IE has scored a hat-trick by reaching the top spot in the Financial Times ranking of online MBA programmes for the third year in a row. IE came in ahead of the UK’s Warwick Business School, ranked number two for the third year running, and Durham University Business School, which made it into the top three for the first time.

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

John Hummel, chief investment officer for AIS Group, a fund manager with $400 million under management, said all the new sources of global oil are expensive to extract, and he sees U.S. shale output falling by 2015.
最令人兴奋地其实是交易期

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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Forbes found 1,810 billionaires this year, down from last year's record of 1,826. The aggregate net worth of the billionaires was 6.48trillion dollars, 570billion dollars less than last year.
Jamil Anderlini

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While there is a still a way to go to ensure the LGBT community has the same rights as sexual couples, the world has moved on significantly in recent years. In fact, gay marriage is now legal for 60% of Americans. What about the other 40%, you ask? The List Love really believes the rest of the United States, and many other countries across the world – we’re talking to you, Russia! -will catch up soon.
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As a measure of that fall, 10 works have sold at auction for more than $100 million since 2004, and all of them were made by modern or contemporary artists in the past 120 years. Older paintings have seen their value, in relative terms, level off or decline. The trend was plain to see in recent weeks, as London’s auction houses tried to find buyers for their latest tranche of old masters. As has been the case in recent years, there were few works by major names.
Performances by Kelly Clarkson, Tim McGraw, Taylor Swift, Carrie Underwood and Miranda Lambert rocked the house at the MGM Grand Garden Arena.

“欧洲工商管理学院极大地充实了我们的跨文化体验,”一位来自瑞士的校友在接受调查时表示,“在这里学习全球文化好于其他任何地方。”
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It was there in Rossella Jardini’s Moschino, from the bows and bouffants of spring-summer 2009 to the Mary Quant-inspired spring 2013 collection.

参与沙特反腐行动的一名官员称,达成金额据信超过10亿美元的和解协议后,在该国反腐风暴中被捕的地位最高的沙特王室成员之一、米特卜·本·阿卜杜拉王子已获释。
The findings of the US and UK scientists are based on thousands of global temperature measurements taken daily on land and at sea.
Good Time
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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.

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虽然她五个月之前才刚学会走路,但是这个被人们称作“宝贝碧昂斯”的小宝宝已经开始在各种盛会的舞台上展露风采了。
2. Mobile overtakes the web.

The total foreign trade volume between China and Germany reached 999.1 billion yuan (USD about 145.3 billion) in 2016, with a year-on-year growth of 2.6 percent, according to statistics released by China's General Administration of Customs.
But I expect other banks to follow suit. Any effort to keep good people fresh and engaged, without paying them more, should be up for consideration.
这个习惯会严重影响你的工作。如果你认为在最后时刻可以发挥最好,不断地推迟任务直至最后一天(一个小时),你可能没有认识到你的这种习惯给同事们带来的影响。如果最后一刻再来赶工,要求别人迅速完成任务,很可能会惹恼你的同事,在任务失败或者未按时完成时候,你就是第一个被责备的人。
你经常烦躁吗?
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格温o史蒂芬尼的广告在好几个应用上同时推出,其中就有总部位于硅谷的短信应用Tango。Tango主要通过用户收件箱里的广告赚钱,但它已采用了Swyft的平台,该公司广告和平台副总裁理查德o拉百特表示,这类广告非常契合人们使用Tango的方式。一年前,Tango决定不再卖贴纸了,因为向用户要钱总会带来很多摩擦。拉百特称:“在人们沟通过程中放上一道‘留下买路钱’的大门绝不是我们希望带给用户的体验。”所以,就由Swyft来提供这种广告吧。
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8. The 2012 Ig Nobel Fluid Dynamics Prize

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Although foreign trade accounts for a greater share of the economy than ever, the United States is still more insulated than virtually every major competitor in Europe and Asia. Such everyday purchases as haircuts, dry cleaning, financial advice and eating out are virtually immune from foreign competition.

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

玛丽亚姆·谢里夫(Maryam Sharif)
conservative
Swyft now makes half of its money from ad campaigns like the one for Gwen Stefani. Swyft’s revenue has increased between 50% and 100% each month, Wray says. The other half comes from selling stickers—typically licensed from sports teams and entertainment brands like Shrek.
With most of our favorite shows on or approaching the dreaded holiday hiatus, it's time to reflect on the women that made the fall 2011 TV season so great.

According to Oliver Cooke, a financial-services recruiter at Selby Jennings in New York, banks have been stressing what they call “internal mobility”, or redeploying staff from one department to another. If a bank facing sluggish conditions in debt trading, for example, can convert a trader to a risk analyst or a compliance officer, it can keep people interested — and it can save a bundle on severance.
Until Dawn

8月,为了捍卫中国在全球经济中的制造业中心的地位,央行引导人民币作出数十年来最大幅的贬值。稍后,在国际货币基金组织(International Monetary Fund)把人民币纳入全球储备货币之后,人民币进一步贬值。这一现象可能反映了资本外流。
Coca-Cola cut its sales forecast for this year as it struggles with a consumer slowdown in China, sending the drinks group’s shares down more than 3 per cent.
在一些女学生通过提供裸照作为交换,在互联网借贷平台上获取高息贷款之后,近日又有大批裸照被泄露在了互联网上。
待售房产:一栋带有四间卧室与四间半浴室的希腊复兴式房屋
n. 病毒,病原体