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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.

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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

Mr Baweja agrees with this conclusion, noting that both South Korea and India, another net commodity importer, are exporters of refined oil products, the dollar value of which should rise this year.

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

Japan, ranked No. 5 overall, is the top performing Asian country. It ranks No. 5 in Movers and No. 1 as the most forward-looking country.

然而,澳大利亚和西班牙学校表现不错。这两个国家分别有3所学校上榜,且排名均有上升。悉尼的麦考瑞大学管理学院(Macquarie Graduate School of Management)是澳大利亚排名最高的学府,排在第49位,而西班牙IE商学院(IE Business School)的排名上升4个位次,排在第8位,这是这所位于马德里的学校自2012年以来首次回到前10名。
Will the Federal Reserve's path out of bond buying get bumpy?
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“能被评为全球最国际化的大学之一,这个名单中的所有学校都是值得祝贺的。这标志着它们拥有巨大的潜力、竞争力和发展动力。”
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Marvel created superhero Blue Ear, who wears a hearing aid, after a little boy refused to wear one because "superheroes don’t wear hearing aids".

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澳大利亚一名女子将其猫咪们遗弃在家里,最后这些猫咪们竟同类相食,目前该女子已被判虐待动物罪。

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大部分原因还是全球变暖,而全球变暖主要是二氧化碳排放量上升造成的。二氧化碳是主要的人为温室气体,通过燃烧煤、石油等化石燃料产生。

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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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.

When M·A·S·H first aired, the characters of Hawkeye and Trapper were meant to be equally sized roles. It was with that understanding that Wayne Rogers agreed to take the role of Trapper John. However, as Alan Alda began to make changes to the characters and have more influence on the direction of the show, Hawkeye began to seriously eclipse Trapper.
Last year, quality supervision authorities across China handled 36,000 cases relating to violations of laws on quality standards, involving 2.3 billion yuan's ($333 million) worth of goods, Han said.
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去年,外国机器人市场向我国售出103191台机器人,同比增长71.9%。

根据贝克?麦坚时国际律师事务所(Baker & McKenzie)和荣鼎咨询(Rhodium Group)的一份报告,2015年中国国有企业和民营企业在欧洲(包括挪威和瑞士,以及欧盟)总共投资了230亿美元,创历史新高;在美国投资了150亿美元。
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虽然周六欧锦赛中爱尔兰0-3不敌比利时,但这并没有让赴波尔多看球的爱尔兰球迷一蹶不振。

2016年,广东以逾7.9万亿元的地区生产总值(GDP),连续第28年稳居我国第一经济大省。
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Johan Pettersson被授予搞笑化学奖,以表彰其揭示了瑞典小城Andersl?v居民的头发会变绿的原因,因为这里的水中含铜量太大。
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体育在热门趋势搜索排行中占据了优势地位,对2012欧洲杯和奥运门票感兴趣的人最多,排名超过了休斯顿和凯特王妃。

技术在法律界并不是一个新现象——许多律所已经与人工智能和机器学习企业建立了合作伙伴关系,有些律所还建立了自己的“孵化器”,或者投资了法律科技初创公司。但这一趋势已经达到临界水平,并将在2018年急剧加速。
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相比之下,新兴市场出口的平均单价差不多自2012年中以来就一直呈同比下降趋势,2016年2月同比降幅达到16.4%。
世界知识产权组织总干事弗朗西斯.高锐在记者会上表示“中国的表现必须予以强调,他们的排名排到了第25位,与那些多年来一直位居全球创新指数前列的高收入国家比肩而立。”

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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新兴市场需求减弱使2015年成为全球金融危机爆发以来世界贸易最糟糕的一年,凸显出对于全球经济健康的担忧加深。
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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.
Such claims are unlikely to go away, though. John R. Christy, an atmospheric scientist at the University of Alabama in Huntsville who is known for his skepticism about the seriousness of global warming, pointed out in an interview that 2014 had surpassed the other record-warm years by only a few hundredths of a degree, well within the error margin of global temperature measurements. “Since the end of the 20th century, the temperature hasn’t done much,” Dr. Christy said. “It’s on this kind of warmish plateau.”
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在不同产业和不同城市之间,年终奖的数额也有很大不同。金融机构的平均年终奖为1.72万元人民币,而教育部门年终奖则平均不到这一数额的一半,只有不足7500元人民币。
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4. OPEC’s Next Move.OPEC deserves a lot of credit (or blame) for the remarkable downturn in oil prices last year.While many pundits have declared OPEC irrelevant after their decision to leave output unchanged, the mere fact that oil prices crashed after the cartel’s November meeting demonstrates just how influential they are over price swings. For now OPEC – or, more accurately, Saudi Arabia – has stood firm in its insistence not to cut production quotas. Whether that remains true through 2015 is up in the air.

Major pharmaceutical companies, working with the American Cancer Society, will steeply discount cancer drugs for patients in African countries. Cancer kills 450,000 people across the continent each year, but many types here are among the most treatable: breast, cervical and prostate tumors.
China has become the world's largest industrial robot market since 2013, and currently its domestic suppliers are moving up the supplier chain by offering more high-end products in recent years, added the report.

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

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拍卖行称这次拍卖会还将拍卖两颗超过100克拉的钻石,吸引了30多个国家的买家。
Fifteen Chinese nationals have been charged with developing a fraud scheme in which they paid imposters to take entrance exams, including the SAT, and gained acceptance to elite American colleges and universities, the US Department of Justice said on Thursday. Conspirators were paid up to $6,000 each time they used counterfeit Chinese passports to trick test administrators into thinking they were the person who would benefit from the test score, a federal grand jury charged.重点单词

众所周知,蝙蝠侠的扮演者不再是克里斯汀·贝尔,而是肉肉的本·阿弗莱克。他将打败超人,拯救哥谭镇。
“但书中又总是有人质疑他、说服他、跟他说‘慢着’。”

The joint Sino-American programme delivered by the Hong Kong University of Science and Technology and Kellogg School of Management has returned to the top of the Financial Times ranking of the best 100 MBAs for senior executives.
The unemployment rate probably won't fall quite as rapidly in 2015, according to economists, especially if more people enter the labor force because jobs are easier to find. Yet another large spate of hiring similar to the gain in 2014 would make the low unemployment rate more believable.
QuikTrip:“糖果摊”
每到仲夏时节,这家企业数据存储公司就会通过举办“狗狗节”来提升士气。员工此时可带着自己的宠物上班,欣赏宠物商品展销会,当地的宠物美容师、宠物商店老板以及驯兽师都会参展,还可以观赏狗狗才艺表演。在“狗狗节”前一周会有一场彩票抽奖活动,全部收入都将捐献给当地的动物慈善机构。
Beijing Capital International Airport performed slightly better, with its punctuality rate reaching 60.7%.