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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.

当她向经理咨询的时候,凯说,当他们的员工开始不经常和他们讲话,无论是更新工作内容,询问意见还是仅仅打个招呼,他们中的许多人都能警觉地察觉到一些事情。正如凯总结地那样:“你开始不做那些你日常维持社交关系的事情了。”
The drop was even more pronounced measured in US dollars, with exports crashing 11.2 per cent year-on-year last month to $177.48bn. That was from a 1.4 per cent drop in December, and versus expectations for a 1.8 per cent slide. It was the biggest drop since a 15 per cent fall in March last year.

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

Jules Pieri

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

Shanghai Pudong International Airport reported the lowest punctuality rate last year. Only 52.4% of flights took off on time, with delays averaging 48 minutes.

这晚,霉霉并没有参加这次颁奖典礼,虽然她提名最多。19岁的歌手Shaw表选突出,风头胜过了霉霉,在这场颁奖典礼上横扫众多奖项。
According to the report, people living in first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen suffer much higher economic pressure, while fourth-tier and smaller cities offer fewer job opportunities and connection plays an important role in every aspect of life there.
来自用卫星采集的独立温度测量结果没有显示2014年是记录年,但是接近记录。几位科学家说,卫星测量的数据反映的是大气层的温度,而不是地球的表面温度,所以卫星数据会与来自地面和海洋表面的测量结果略有不同,并不奇怪,而表面的温度测量显示了创记录的温暖。
Gary Oldman on blistering form as Winston Churchill.
她表示:“美国宪法第一修正案中对于言论自由的保护仅针对公共实体的违法情况,而哈佛是所私立大学,所以第一修正案根本不适用。”
最近,无人驾驶汽车的新闻屡见报端,它也叫做自动驾驶汽车。谷歌的自动驾驶汽车是此行业的领头羊,已行驶48万千米(30万英里),仅发生过两次交通事故,还都是人为因素造成的。事实上,无人驾驶汽车并不是新奇事物,早在达·芬奇发明以弹簧发条作驱动带内置预设程序的马车时,自动驾驶的概念便名噪一时。

还是说回TextPride吧。雷和欧布莱恩发现,用户很喜欢各种品牌授权的表情符号,他们相信广告主肯定希望非常便捷地通过一家供应商来进入多种短信应用。但他们也明白,这充其量只能占到这项业务的一半份额。对运动队这类大名鼎鼎的品牌来说,用户是愿意为这些贴纸埋单的。但那些不知名的品牌就需要自己掏钱来挤进这个圈子了。
该调查讨论了对未来的预测:"生活成本总是变化的,来年将发生的变化已经有了迹象。"
价格:205万美元(约合人民币1312万元)
此外,由于该机构的一些业务涉及为政府提供教育方面的建议,此类员工的专长是很宝贵的。

The quickest growth in executive pay on average came from the hotel and catering sectors, at 47.58%.
在Ross居住的单元,不准记者入内,一名妇女在门缝中礼貌的说,孩子的母亲还没有准备好公开发言。
My hunch is that this draft will look pretty good by March and will be much better than last year's, which was one of the most underwhelming in recent memory. New Orleans and Washington both need some direction, and soon.
相比之下,巴西雷亚尔升值促使咖啡和糖价格飙升,因为该国是这两种商品的最大生产国。

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

The aspiring actress is also hoping her online following will secure her an audition to appear on ABC show 'Once Upon A time' which is adding Elsa as a character next season.
We will take solid steps to pursue a new type of urbanization.

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.

n. 慈善,慈善机关(团体), 仁慈,宽厚
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.
Will Theresa May remain prime minister in 2018
recept接受+ive表形容词→善于接受的

China's economic prowess is also seen by outsiders as having stimulated nationalism in a generation removed from the Cultural Revolution. Beijing's belligerent responses to overlapping maritime claims have heightened worries about its security objectives in a region already wary of its economic clout. This is one factor in Japan's decision to relax its ban on weapons exports; to China's dismay, it has also driven its neighbours to support a stronger US presence in Asia and has complicated regional trade integration.
3. The 2012 Ig Nobel Accoustics Prize
?Bond has been attacked in innumerable ways and survived everything. Of course, this is because he's fictional. It is interesting to note that research shows masculine men are hardier. In fact, being un-masculine can be lethal for males. (Maybe it's all those orgasms keeping him alive. I doubt he'll die of a heart attack or prostate cancer.)

Producer prices, which are often regarded as a proxy for medium-term inflation, remained in negative territory, but the pace of decline improved.
4. Your co-worker blabbed。

The writer is a senior associate at the Carnegie Endowment and a former World Bank country director for China. Read other predictions for the world economy, politics and finance in 2012 at www.ft.com/thealist
Its Academic Ranking of World Universities is made up of six objective indicators, including the number of alumni and staff winning Nobel Prizes and Fields Medals, the number of highly-cited researchers, the number of articles published in the journals Nature and Science, the number of articles indexed in the "Science Citation Index", and their per capita performance.
Since you will be spending so much time in your office space, you should be comfortable enough to enjoy what you do. A comfy chair will keep you pleased throughout the day. We recommend the Allak Swivel Chair, $59.99, at Ikea.com. If you need music to keep your mind stirring, we recommend the Sound System iPod Speaker, $220, at UrbanOutfiters.com.

面对竞争时,与A型人格的对手相比,B型人格的人可能不怎么关注输赢,而是尽情享受比赛。
海莉·威廉姆斯依然是颇有影响力的重要存在,一位不论是低声哼唱还是大声呐喊都能令人信服的歌手。她直言不讳的勇气几乎使你忘记《欢笑过后》记录的是她对这个世界的厌倦。
If you are working your butt off and not getting paid enough to pay your bills, you might be overqualified and underpaid for your position. Go find a job that pays what you deserve.
v. 排

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.

As supporters kept streaming toward the Capitol building, one yelled out, “Today, a new Puerto Rico begins!” to the cheers of others, including those holding U.S. flags.
单词avoid 联想记忆:
The country has rolled out measures to promote new-energy vehicles, including tax exemptions, subsidies for car purchases and a requirement for government departments to buy more new-energy cars.

乔纳森·格雷泽导演的《皮囊之下》讲述的是一位美丽又可怕的外星人的故事,她本身美丽,恐怖而且是个外星人:这是一部完全与众不同的,残暴的色情电影。乔纳森·格雷泽以前导演的优秀作品仅仅只是为这部电影做的局部模糊的铺垫。他的《性感野兽》(2000)是一部令人视觉上满足的,兴奋的,充满智慧的犯罪惊悚片,它超越了那个年代操着方言的悲剧老头的模式。《重生》(2004)有着库布里克式的精致与阴冷,电影中的一些画面,十分出色;它是一部值得奉为经典的电影,但尚未实现。接着十年过去了,对那些电影事业一直无法实现的人,格雷泽似乎成为他们的设计师。(天知道,这种事情总发生在那些有天赋的人身上)。
2015年,中国各大银行的盈利有所萎缩。在这一年里,中国银行业经历了央行的几轮降息,并在中国政府取消存款利率上限之后发现,轻松赚钱的时代结束了。
《寻梦环游记》
强化水、土壤污染防治。
萎靡不振的不光是那些挑选个股的基金。截止12月1日,对冲基金整体回报严重落后于市场。彭博收集的数据显示,对冲基金平均同比上涨了2%,其回报率也就勉强赶上无风险10年期美国国债的票面利率。2014年将有1000多只基金倒闭,是自2009年以来破产清算最多的一年。

It even featured in the March 19, 1870, issue of Scientific American magazine. Made by Thomas Luders from Olney, Illinois, and called a "pedespeed," the wheels then were much smaller, measuring around 36 centimeters (15 in) in diameter. Luders also said the skates could be used by anybody, irrespective of their physique. He himself was a large, heavy man, and he claimed he could use them for two straight hours without getting tired. Another version of wheel skates, appearing in 1923, had its tires on the inside of the foot rather than outside. (Other than the size of the wheels, the main improvement made by Chariot Skates is the small tire at the back of the bigger tire for increased stability.)
remembrance
Movie buffs will soon be able to celebrate with a visual feast at the Beijing International Film Festival, where nearly 500 high quality films will be shown.
She added that because of economic conditions and anti-immigration sentiment in some Western countries, many Chinese students find it difficult to stay in those countries.

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But what about the tens of thousands of Irish fans? They're out of control.

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

何塞安东尼奥梅亚德(José Antonio Meade)会成为下一任墨西哥总统吗?
adj. 特指的;指定的
The improvements in education levels mirrored the development of China's education system. Independent research into China's education situation showed that overall education development was better than the world average last year, Yuan Guiren, minister of education, said in March.
A hero is one that doesn't want to bea hero. A hero is a one with all the possibility to make the choice but takethe responsibility of the moment. And it's really something hero has got to do.For example, in 9/11 some of the plane's passengers fought with the terrorists.In Fukushima's radiation leak, some people went and tried to fix the nuclearplant and died. But they have to do it. They are heroes. They don't try to beheroes. They take responsibility and try to do what is right.

95后对就业的选择更加多元化,也更加青睐工作与兴趣相结合。
1、拖延

We have confidence that we will continue to open this country at a higher level, and maintain this country as a popular destination for investment. We welcome other partners to work with us to share in the development opportunities of China.
In this post, we’ll take a look at 16 software applications that I use almost every day — and discuss why you should too.
《纽约时报》记者詹姆斯?格尔曼追踪报道了一群科学家,他们试图找到将狼与狗区分开来的基因。为了进行科学研究,饲养小狼崽的人必须每周7天、每天24小时和它们在一起,使它们能够适应社会化,以便进行科学研究。尽管这些幼崽看起来很可爱,它们最终还是会成长为掠食性的狼,而不是人类的忠实伙伴。研究人员希望他们的工作将有助于揭示,究竟是什么因素在历史上让一部分狼演化成人类熟悉的狗。
统计显示,截至2015年底,西藏约有59万农村贫困人口。
n. 枝,杆,手杖