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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.

Ninety percent of the students believe their universities' guidance on entrepreneurship would help their future businesses. In addition, they professed appreciation for policies intended to encourage entrepreneurship.
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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

中国国产3D奇幻/冒险片《捉妖记》2015年7月在国内上映后打破一系列票房纪录,成为2015年中国内地最卖座的电影

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

北韩已经警告过Park,如果电影穿越边境,将会要他"以命偿罪"。

But the economic base for these capabilities is steadily declining.
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"Nobody can stop it. I will keep sending leaflets into North Korea at the risk of my life," Park said, adding he has always prepared to face down the North's threats.
10. 2012年搞笑诺贝尔奖之医学奖
China is preparing to sign more bilateral or multilateral agreements with other countries, and will enhance information exchanges and joint investigation especially with Western countries such as the US, Canada and Australia on some major or individual cases, according to the CCDI.
The report also found that the top cities in intellectual capital and innovation and technological readiness also achieved high scores in the overall ranking, a clear indication that technologically advanced cities were more likely to earn the title of "cities of opportunity".

网络游戏成了中国的重要行业。北京第三方数据分析公司Cnzz.com新公布的报告预计,2012年中国网络游戏市场规模将达到人民币410亿元(合60亿美元),占据全球网游市场的半壁江山。
Australia is the No. 8 Best Country overall. The Land Down Under – No. 4 in Quality of Life and No. 9 in Adventure – also ranks in the top 10 in terms of education.
Maryam Sharif
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不会。傻子才会去预测足球比赛的结果。最好是作事后诸葛亮。目前已经举办过20届世界杯。其中,巴西(5次捧杯)和德国(4次捧杯)是决赛常客。主场优势有所帮助,东道国赢得了6次奖杯。但是明年的世界杯将在俄罗斯举行,而这位东道主在参赛队伍中排名垫底。
The regulator said that although this year's growth will be slightly lower than 35 percent due to the Chinese currency's depreciation, the film market will still see robust growth.
The reason why Blake looks the same today as he did in high school is because he's only four years removed from his high school years. Just imagine how monstrous Blake will look with another year or two of NBA training under his belt.
现在对于宣传单张的内容还没有详细的介绍,但之前投放的传单都包含谴责北韩统治者家族的言论。

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

凯文·史派西、摩根·弗里曼这样的明星也难逃一劫,被指控性侵演员,积极的网友在网上用标签分享各自的心路历程。
She said she wanted to be an actress before becoming a singer, but explained that "music worked out first" before adding: "I feel like Cher in the film Moonstruck. It's like one of the great moments of my life."

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.

美国的排放量一直在降低,这是因为发电过程中燃烧天然气的比例增加了;与煤炭相比,燃气发电每单位能量所产生的二氧化碳更少。但美国通报称,2013年的排放量有所增加,因为煤炭重新获得了一些市场份额。如果这种趋势持续下去,它可能会成为奥巴马政府的一个挑战,因为奥巴马政府正试图制定更严格的温室气体政策。
For the fifth year in a row the city-state's Changi Airport has been named "world's best airport" at the annual Skytrax World Airport Awards.
今年中国经济成V字形强劲复苏,随之而来的是许多关于城市房价疯涨的报道。
据该报告显示,苹果的品牌价值同比去年增长了5%,至1780亿美元,而谷歌的品牌价值同比增长了11%,至1330亿美元。

This Noah Baumbach Netflix film is both funny and award-worthy, which means you can feel really smart while you chuckle.
当然,那时候,伦勃朗是大热门。但是如今,这位荷兰画家和他的同辈大师已经过气,不再是收藏家和投资者渴望的对象。
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。

中国富人2014年在海外购买了至少7块小岛。
China's employment situation is generally stable in the first quarter of 2016, said Li Zhong, Spokesman of the Ministry, adding that the economic downturn and structural reform, however, make employment more difficult.

adj. 一致的,始终如一的
这种迅速放缓的势头如果延续下去,可能会阻碍更广泛的增长。观察人士认为,制造业企业活动的持续扩张源于国内需求的增长。
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.

Gastroenterologists throughout the world will no doubt thank Emmanuel Ben-Soussan and Michel Antonietti for recommending ways that they can minimize patient' gas explosions while the docs perform colonoscopies.
总部位于广东的房地产开发企业碧桂园集团现年35岁的女继承人杨惠妍以485亿元的身家紧随其后。
7. An unexpected new lung function has been found. Researchers have found that lungs don't just facilitate respiration - they also play a key role in blood production, with the ability to produce more than 10 million platelets (tiny blood cells) per hour. That equates to the majority of platelets in circulation at any given moment.
创业者都是行动者和颠覆者。他们不能去分析每一个细节,否则他们将寸步难行。初创公司没有拖延的资本。创业是一个全天候、无休假的职业,创业者必须具备持久不变的前进动力。迈出每一步的时候进行简单的评估,然后继续前进。相信自己的直觉。

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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A Saudi Woman Who Got Behind the Wheel and Never Looked Back
Foss also points out that recommendations from others are time-stamped, so it looks fishy to have five new accolades on your profile, all written within the same week. "They don't look like they're coming organically," she says. "It looks like you're out shaking the bushes, trying to get people to say nice things about you."

It was the spring of hope, it was the winter of despair…
Joss Whedon came up with the idea of Firefly while he was on a non-working vacation. He was reading a book called The Killer Angels which told the story of soldiers in the Battle of Gettysburg. Whedon was attracted to the idea of the difficulty of the soldiers' everyday lives. He liked that the author focused on the mundane details of how people survived when they didn't have all of their needs conveniently met by modern technology and commercialism.
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City on the Silk Road
价格:197.5万元(约合人民币1264万元)

据金融数据提供商Wind Information有限公司,列出了去年在整个A股市场共实现净利润2.47万亿元的各家公司。在这些上榜公司中,其中有2000家拟进行现金分红,总额近7000亿元。
Actor in a Mini-Series or Movie: Courtney B. Vance, “The People v. O. J. Simpson: American Crime Story”
Attention, travel lovers. You may not have made any travel plans yet, but the choices for next year’s best destinations are already out. Recently, the well-known travel guide publisher Lonely Planet issued its Best in Travel 2014 selection. Here, we pick a few countries from its top 10 list to give you a taste.
For the first time, it’s a blend of two colors: Rose Quartz (a kind of mineral pink) and Serenity (a light blue). On the company’s website, the colors flow seamlessly into each other so that it’s impossible to tell where one begins and the other ends.

Man got to sit and wonder ‘why, why, why?’
Nevertheless, as New Yorkers grow accustomed to a sharing economy, buildings might ultimately have to embrace it.

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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But with Jrue Holiday back and Anthony Davis putting up historic numbers, they aren't going to be bad enough to get a Fultz or Jackson. Why couldn't last year's draft class be this good?
新生们对此事各持己见,《哈佛深红报》报道了一些学生的观点。其中有两位新生称取消这些人的入学资格是正确的。一名学生表示,“我不知道他们对这些冒犯无礼的图片有什么可辩解的”。
理查三世是金雀花王朝的最后一位国君,都铎王朝的继任者将其塑造成了不惜一切代价追求权力的无恶不作的暴君,还称他谋杀了他的两个侄子-也就是“塔中王子”-来保住王位。

As a result, in the first 10 months of 2016, the year-on-year decline in EM exports in dollar terms was just 6.6 per cent, according to calculations by Capital Economics, a marked improvement on the 11.6 per cent contraction seen in 2015, as the third chart illustrates.
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My grandmother’s favorite poem was Invictus by William Ernest Henley. My father hung a copy of it on our kitchen wall, so I grew up reading it every day: “I am the master of my fate; I am the captain of my soul.” I think the best advice I can give anyone – especially someone just starting out in business – is to embrace your role as master of your own fate. Recognize opportunities when they arise and get comfortable saying “Yes.”
Tomorrow Never Dies gets the other honorable mention on our James Bond theme song list.
“她确实带着假发和皇冠,穿着美美的裙子,但是我不会给她用喷雾晒黑剂或者给她涂上满脸的化妆品——我会等到她五岁的时候再给她用这些。”
Apple Inc. CEO Steve Jobs introduces the iPad 2 on stage during an Apple event in San Francisco, California in this March 2, 2011,
英国剑桥大学(University of Cambridge)佳奇商学院(Judge Business School)的排名上升5个位次,至第5位。这不仅是该学院首次跻身前5名,而且还是伦敦商学院在这个榜单上首次失去英国最佳商学院这个头衔。