What Is a Finance Charge, and How Do I Avoid Paying One?
If you're savvy, you can avoid credit card finance charges entirely.
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.
周边环境：这栋房屋位于Kenwood社区，该社区分布着19至20世纪的都铎式、地中海式、维多利亚式和殖民地风格的建筑，在明尼阿波利斯市湖链区(Chain of Lakes)的锡达湖(Cedar Lake)与群岛湖(Lake of the Isles)之间。这里的道路蜿蜒曲折；人行道两边排列着枫树和白蜡树。据该房源的代理说，该社区许多较老的房屋都已翻修过，而近30年内建造的房屋都推倒重建了。
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
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
在接下来几年里，大型住宅楼盘必须遵守第87号本地法(Local Law 87)——该法要求楼盘审核能源使用量，并保持系统以最高效率运行。住宅楼是纽约市最大的温室气体排放源，其排放量占总量的37%。“能源是一大热门话题。楼盘怎样提高能源效率？”管理着超过500处房产的FirstService Residential New York的总裁丹·沃泽尔(Dan Wurtzel)说，“如果运营预算的三分之一来自能源耗费，而现在你可以降低这块成本，那么上涨维护费的压力就减轻了。”
According to government sources, property sales in Hong Kong fell almost 40 per cent in the first half of the year compared with the same period in 2015 — both in terms of price and volume. An index from the Rating and Valuation Department released this month showed the commercial sector was a particular casualty, with prices falling 5.7 per cent in May compared with the same month last year.
The film pulls heavily from the life of Arthur Bremer, who shot presidential candidate and segregationist George Wallace in 1972. Similarly to his film counterpart, Bremer shot Wallace shortly after being rebuffed by a young girl. Overall, though, his life was much less exciting than that of De Niro's character, with the biggest commonality between the two being that neither actually succeeds in killing a politician.
Zhu Yongxin, a member of the CPPCC National Committee, full-time vice-chairman of the Central Committee of the China Association for Promoting Democracy and vice-president of the Chinese Society of Education, talking about an NPC deputy representing 670,000 electorates.
In 2013, the yen fell 21% against the U.S. dollar, helping it to attract 10 million overseas tourists--including, despite Sino-Japanese border disputes in the East China Sea, many wealthy travelers from China.
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
Joseph Keller、Raymond Goldstein、Patrick Warren和Robin Ball获此殊荣，他们的研究课题是“人类马尾辫中头发的运动及受力平衡”。
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.
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1号 what the fuck: “职场辣妈”的新境界
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Much joy to you in the up coming year. May the warmest wishes, happy thoughts and friendly greetings come at New Year and stay with you all the year through.
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Passion is key to keeping a business strategy moving. Half-heartedness in an entrepreneurial endeavor will chip away at your drive to succeed. Perseverance is the one thing that’s guaranteed to move anything over time, whether it’s a person, a job or an entire company. Abraham Lincoln failed at most of his efforts until late in his life, but he never gave up.
Over time, this ethnic blend has led to an uncommon harmony among the current squad, whose young players -- notably Eden Hazard and Romelu Lukaku of Chelsea, and Adnan Januzaj 贾努扎伊of Manchester United -- are the envy of many of their competitors.
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.
The sales volume peaks at around 15 million per day, with nearly 700 tickets sold in every second.
President Barack Obama won re-election to a second term in the White House on Tuesday, television networks projected, beating Republican challenger Mitt Romney after a long and bitter campaign。
Susan Chan, head of iShares Asia-Pacific at BlackRock, says ETFs are more popular among institutional investors in the region.
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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
The hunt for his body began in earnest in 2012 when archaeologists working on historical accounts and geographical clues started to dig beneath the municipal carpark on the spot where Greyfriars was, and found the skeleton.
Britney, YOU drive me crazy for appearing on Loose Women smacking gum like it's 1998 as the panel interrogate you.
adj. 非常坚硬的，强硬的，固执的 n. 坚硬无比之物
There are no right or wrong answers, just be honest with yourself.
Insead is top of the 2017 Financial Times global ranking of the best 100 MBA programmes. It is the second year that the multi-campus international business school has taken the number one spot, after claiming it for the first time last year.
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In the foreseeable future, China will see the boom of enterprises in tertiary industry. Related majors, including law, journalism and communication, and management, are expected to play a bigger role, according to the report.
As for his own education: He's weighing whether to enroll in university in England or maybe the U.S. to be closer to Silicon Valley. Or perhaps he'll skip college entirely and just focus on his work. 'I absolutely want to start another company,' he says. 'Serial entrepreneurs get addicted to creation. I want to be passionate. I feel really bad when I'm not doing something new.'