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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.

林浩文预测称,市场的任何复苏都将倚赖来自资金充沛的内地公司的需求,同时外国投资者将仅限于投资于房地产投资信托或者涉及地产开发商的股票,而不会真的买入房产。
“今年榜单有趣的地方之一是,尽管网站都开始实行更严的密码设定政策,位数少的密码仍出现在今年的榜单上。”

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

The prices are tough for ordinary Brazilians to afford. The minimum wage in the country is $330 a month, just about what Ferreira said she earns.

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

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节目31 京剧《迎来春色换人间》,于魁智 托马斯(孔子学院学员)
Against: Although it picked up a best editing prize from the LA Film Critics Association, it was ignored by their New York counterparts. Could its momentum be waning
3.在戛纳,他们说英语
全国居民人均可支配收入实际增长6.3%;
10. Drawing Words Helps Your Brain Recall Them
在欧洲的85所最佳商学院当中,巴黎高等商学院(HEC Paris)依然排名第二,仅次于伦敦商学院,而总部位于法国枫丹白露的国际商学院——欧洲工商管理学院(Insead)的排名攀升两位,至第三名。

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The UK’s Warwick Business School recorded the best progression at the top, moving up from 16th to ninth place, while the Shanghai Advanced Institute of Finance (Saif), based at JiaoTong University, enjoys the bestprogression overall, jumping from 28th to 14th place.
管理着4亿美元资产的基金公司AIS Group的首席投资长赫梅尔(John Hummel)称,全球所有新原油资源的开采成本都较高。他预计到2015年美国页岩油产量将下降。
延长的生育假如何落实往往由地方政府决定。国家层面应该颁布执行细则以及具备法律约束力的相关措施,以确保该政策的贯彻实施和合理执行,从而保证女性不因劳动成本最小化而受到雇主的歧视。

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迷你剧集/电影类最佳女配角:雷吉娜?金(Regina King),《美国重案》(American Crime)
Stand: Whole Foods CEO John Mackey called for 'Conscious Capitalism'
1. 热爱自己的事业。

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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据公安部介绍,2016年,1576名外国人成为中国永久性居民,较上一年度增长163%。

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.

The clothes had resonance because the characters who wore them were intricate and multidimensional, not just because Joan’s brocade sheath was really glamorous, or Megan’s psychedelic chiffons made Pucci feel cool.
'Winning the Skytrax World's Best Airport Award for the fifth consecutive year is immense encouragement to our 50,000-strong airport community at Changi Airport, every one of whom is passionate about delivering the most memorable airport experience to our passengers', said Lee Seow Hiang, CEO of Changi Airport Group, in a statement.
Meanwhile, the proportion of 2016 graduates to select employment is increased, which goes up to 75.6% from 71.2% in 2015.
10月份,日本工业产出环比增长1.4%,是自1月份出现4.1%的增幅以来增长最快的一次。这一数字高于9月份1.1%的增幅,不过仍低于经济学家1.8%的增长预期。

Leatrice Eiseman, the executive director of the Pantone Color Institute, said the joining of the two colors reflected “a soothing sense of order and peace” — presumably an attractive thing to incorporate into a product at a time of insecurity and global turbulence. It also implies that there is no line between “us” and “them.”
"While most Chinese brands remain unknown to the outside world, within China they are establishing themselves with ever more sophisticated campaigns," said Rupert Hoogewerf, Hurun Report chairman and chief researcher.
By the end of 2015, Shanghai's population of migrant residents had decreased to 9.8 million, comprising 40.6 percent of the city's roughly 24 million permanent residents, according to statistics released by the Shanghai Municipal Statistics Bureau on Monday.

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Traders heading for the exits: 'Unsustainable trends can survive much longer than most people anticipate, but they do end when their 'time is up, at the culmination of their time cycles.' They analyzed more than 20 cycles: 'Nearly unanimously point to tectonic shifts in the months and years ahead.'

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The awards returned Ms. Lawrence, a winner last year for Russell's 'Silver Linings Playbook,' to the stage for an acceptance speech-something she said was no easier a year later.

SplashData公司首席执行官摩根-斯莱恩说:“不幸的是,虽然最新的一部星球大战系列电影很精彩,但使用‘starwars’这个密码却很危险。”
ac+cur关心+ate→一再关心,弄精确为止→准确的,精确的
The scientists’ analysis comes only a month after nearly 200 governments struck a new climate agreement in Paris that aims to stop global temperatures from rising more than 2C from pre-industrial levels, and ideally limit warming to 1.5C.
n. 计算

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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克普克表示,在这些情况下,美联储不但能引发危机,还会增加新兴市场因其他因素引发危机的脆弱性。
Celebrity Latin tattoos may be fuelling a revival of the ancient language in schools, it emerged today。  明星们的拉丁语纹身引发了一阵学习拉丁语的热潮。

伦敦商学院重回榜首,一定程度上归因于毕业生薪资水平最高,达到16.7万美元,同时性价比排名第二。该学院在国际课程体验方面排名第一,在校友流动性方面排名第二。
The top obsession of 2010 was the much-anticipated iPhone, followed by actress Lindsay Lohan, the iPad, and the television shows "Glee" and "Jersey Shore".
Dershowitz said this guidance was too vague to provide students with any real understanding of the school's expectations. "When you punish a student seriously without articulating standards, I think it raises questions," he said.
"Investing in improving innovation quality is essential for closing the innovation divide," said Soumitra Dutta, dean of Cornell College of Business and co-editor of the report.
Interestingly, BRICS bloc has reduced their exposure to these securities at a time when America's economic activity is expanding at a moderate rate.

You might want to hope that people shared these articles as a joke. I want to hope that. But we can’t: the analysis points to a recent BuzzFeed and Ipsos Public Affairs poll which found that 75 percent of Americans (84 percent of Republicans and 71 percent of Democrats) were easily tricked by fake headlines. What a fantastic year for fact-checking and rational thought and Mark Zuckerberg’s self-awareness.
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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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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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帕拉莫尔《欢笑过后》
If any movie can bridge the deep racial, generational and class divides in American life — at least for a couple of hours — it would have to be this revival of the ancient “Rocky” franchise. Sylvester Stallone, shuffling into the wise old trainer role, gives perhaps the loosest, warmest performance of his career. Michael B. Jordan, as Adonis Johnson, Rocky’s protégé (and the illegitimate son of his onetime rival and long-lost friend, Apollo Creed), continues his emergence as one of the vital movie stars of our moment. As for Mr. Coogler, with his second feature as a director he proves himself to be a true contender. (Read the review)
“If lenders are too optimistic during market booms and too pessimistic in downturns, that could be a good reason for authorities to set conservative capital requirements,” he suggests. “Higher haircuts might dampen the initial run-ups, but they could also dampen the subsequent fallouts when tides turn.”

中国机器人产业联盟理事长曲道奎称,尽管我国本国供应商在2016年将市场占有率扩至32.7%,去年这一趋势出现反转,其市场占有率降至26.8%。
Given a choice, Chinese university graduates prefer to find employment rather than start a company.

Rolling ahead with a team that's .500 through November isn't at all tanking — this is seriously a potential playoff team — but it's the same type of conversation the rebuilding squads are having. Leverage assets and playing time to win more now, or stay focused on sustainability?
For the dynasties that flourished in China around 1,700 years ago "the conquest and effective governance of Kucha would enable them to control all the oasis city-states in the Western Frontiers," the researchers said.
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不过现在,她已经开始利用自己童话公主一般的面容做慈善事业了,她会装扮成童话角色的样子,为孩子们演出,为癌症患儿的家长加油鼓劲。
在西方国家更新、更广泛的国民身份认同里,白人们也有自己的一席之地。但是除非他们接受这一点,“白”的危机仍会持续存在下去。