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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.

Unlike most boy-band dudes going solo, he never sounds like he's sweating to get taken seriously – he never loses touch with the exuberance and swagger he brought to One Direction in the first place. So get used to this man – you'll be hearing a lot more from him.
'People go crazy and it gets overwhelming.'

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

Honda has recalled more than 10 million vehicles in the U.S. to fix a potentially fatal defect in air bags made by Japanese supplier, Takata. The air bag inflators can rupture after a crash and injure occupants with shards of metal. Honda has confirmed three deaths and 48 injuries in connection with such incidents.

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

The 2011 Nobel Peace Prize has been awarded to Liberian President Ellen Johnson Sirleaf, Liberian peace activist Leymah Gbowee and Yemeni women's rights advocate Tawakkul Karman.

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Here are the 10 bogies, drones targeting markets, stocks, bonds and the, global economy:
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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."

汇率走势今年已对大宗农产品价格产生有力影响,英国退欧公投曾导致英镑汇率重挫,这推升了英国食品进口价格并提振了农产品出口。
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Wealthy Chinese are showing growing interest in islands in recent years.
Roth, 60, is a professor at Harvard University in Boston. Shapley, 89, is a professor emeritus at University of California Los Angeles.
Guangzhou, Shenzhen, Hangzhou, Wuhan and Nanjing have been ranked as the top five cities for opportunity in China, according to a report jointly launched by PricewaterhouseCoopers and the China Development Research Foundation.

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

This year the list features nine heads of state who run nations with a combined GDP of $11.8 trillion — including the No. 1 Power Woman, German Chancellor Angela Merkel. The 24 corporate CEOs control $893 billion in annual revenues, and 16 of the women here founded their own companies, including two of the three new billionaires to the list, Tory Burch and Spanx’s Sara Blakely. Speaking of, this year’s class has 14 billionaires valued in excess of $82 billion.
Meanwhile, 78 percent of the civil service jobs offered this year are posts at county or district levels, as the central government seeks to steer more college graduates to jobs at city and county levels, he said.

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.

据中央电视台报道,她的妈妈在1月30日才发现了此事。
The surviving cat, since named Trooper, has recovered and found a new home.
Given that Dallas resisted tanking for years as Dirk Nowitzki's career has wound down and therefore has a fairly limited collection of young talent, adding the 22-year-old Noel without doing any major damage to its rotation counts as a smart play.
英国《金融时报》EMBA排行榜为有工作经验的高级管理人员排列出全球范围内最好的100个EMBA项目。此排行榜基于对各商学院及其2012年毕业的学员的调查得出。这些数据衡量了校友们自毕业以来在职业方面取得的成就,包括薪资、级别及个人成绩方面。

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"We have called the police and collected evidence to protect the company's reputation. Those who leaked the nude pictures will be punished according to law," the announcement read.
某种程度上,这种借鉴是基于这样的假设:把一种时装风格从它自身的环境中剥离出来,就能同时去除它所有潜在的负面寓意:譬如战争和王朝。它会变成一种独立存在的审美形式,不再象征任何复杂的社会和政治动荡。

The U.S. will perform well even if the rest of the world doesn't
据一家行业报道,中国的网红预计能在2016年创造出高达580亿元(87亿美元)的市场,远超去年的440亿元的票房。

While D'Aloisio spends 80 percent of his work time retooling and improving Summly (which has already been integrated into Yahoo!'s iPhone app), the other 20 percent is devoted to imagining the expansive challenges he'll take on next. He predicts there will be summarization programs that do for video what Summly does for the written word. He has grand thoughts about using technology to aid learning and would like to help fellow autodidacts while disrupting the old educational models.
Facebook, up 44 per cent, has added new features including disaster alert, which lets users quickly inform family and friends that they are safe. Such innovations add to the media group’s importance as an integral medium for worldwide connection and enhance its value to advertisers, Ms Cheung says.
We should stipulate at this point that neither of us have any idea how good this draft is going to be because the college season is barely underway. It sure looks nice, what with all those freshmen stacked up together in the lottery.

Baoneng is believed to have borrowed heavily to fund its share purchases in Vanke and is now the developer’s largest single shareholder with a 25 per cent stake.
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对气候变化持怀疑态度的人长期以来认为,全球气温已在1998年左右停止变暖,那年是20世纪最热的一年,原因是异常强大的厄尔尼诺现象。华盛顿的一些政客用这种说法作为不对温室气体排放采取行动的理由。
The new numbers, reported by a tracking initiative called the Global Carbon Project and published in the journal Nature Geoscience, came on the eve of a United Nations summit meeting meant to harness fresh political ambition in tackling climate change. Scientists said the figures showed that vastly greater efforts would be needed to get long-term global warming within tolerable limits.

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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This compared to a decade ago when there were six Asian cities, 10 European cities and four US cities in the top 20 of the list that calculates living costs in 131 cities in 93 countries and is used by companies for costings when relocating staff.
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10、《星球大战:侠盗一号》
在面试期间看手机,嚼口香糖。
这些人造耳朵对那些遭受过耳朵伤害或者耳朵停滞发育即患有小耳畸形的人来讲是巨大的福音。
Morgan Stanley’s Jonas believes the Model X will sell more based on features like its upgraded infotainment system unique “falcon-wing” back-seat doors than fuel economy and he will be disappointed if the Model X doesn’t win every major car of the year award. He isn’t alone. So will Elon Musk and a whole lot of Tesla investors who pray that the momentum behind this amazing stock keeps building.

Take solid and effective steps to cut overcapacity
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以下10种妖魔就像无人机一样,瞄准了股市、债市和世界经济:
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在Ross家附近的拐角处,一群男人坐在一家别墅的遮阳门廊,喝着啤酒,听着音乐。一个不愿意透露姓名的男人说,他从小就认识逮捕的这两个人。
vigil醒着的+ance表名词,“性质,状况”→警惕

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

Below are 10 clues you left that basically scream: "I am job searching!"
根据公安部的声明,自2015年9月以来,我国在放宽外国人居留、入境政策方面取得了巨大进步,帮助吸引了更多海外人才、促进了国际交流和经济发展。
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爱德华卢斯(Edward Luce)

?Bond is supremely confident. This makes him sexy. It also makes him great at his job; being overconfident often gives better results than being objective and rational. (We'd all be better off moderately overconfident.) Neither men or women prefer modest guys. Bond has the personality of a trained man of action: SWAT team members differed from the average person by being extremely confident ("self-deceptive enhancement"), more emotionally stable and more resilient.
Obama won the second to put himself back in the race. Although he also won the third, foreign policy is not a major concern for voters and it is unlikely to result in any major poll swings.

我们的前路应有尽有,我们的前路一无所有……
这支队伍需要更多的天赋,他们需要大修。对魔术而言,最能吸引天赋到来的方式一直以来都是选秀。
19. Going, Going, Almost Gone Quentin Tarantino shot his latest, “The Hateful Eight,” in 70 millimeter, and the film is slated to play in almost 100 theaters that, like most of rooms across the country, now usually use digital projection. Whatever you think of Mr. Tarantino, try to catch “The Hateful Eight” on film so you can see for yourself how the industry-enforced switch to digital has radically changed movies.
根据近日发布的《第13次国际年度住房负担能力调查:2017》显示,这三座城市高居世界最不可购性房屋市场的前三甲。
Here, a quick peek at Power Women 2013: