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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.

Full marks to Prince George for giving the patronising high-five of the Canadian prime minister the eye.
v. 抢劫,掠夺

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

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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

单词affection 联想记忆:

2018年它们会拿出更多创造力,包括在非现金效益上的创造力。例如,美国银行(Bank of America)刚刚引入了一项新计划,让全球银行业务和市场部门的员工休至多6周的长假。该计划是有条件的:员工必须在该行工作至少10年,每5年可以申请一次长假,最多享受3次。但根据英国《金融时报》看到的一份内部备忘录,首席运营官汤姆蒙塔格(Tom Montag)鼓励符合条件的员工考虑该计划。
The number of people holding degrees from colleges or universities reached 170.93m, which means there were 12,445 people with an advanced education per 100,000 people in 2015, up from 8,930 in 2010. The number of people who had attended a senior high school also increased, and the number who had only completed lower-level education fell.
? The failure of a backup generator forced the evacuation of the Langone Medical Center, part of NYU hospital. About 200 patients had to be moved. Officials are investigating why the backup power failed.
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《使女的故事》
保安负责监管烘焙坊一次能容纳多少蛋糕狂热者。当然,木兰烘焙坊并没有因为人多而怨气冲冲。烘焙坊把电视剧纪念品展览于多家分店的墙上,并引以为豪。现在,木兰烘焙坊以香蕉布丁而闻名,但他们的最初成功应该归功于凯莉·布拉德肖以及红天鹅绒纸杯蛋糕。

众所周知,中国国家主席习近平也是一个足球迷,他曾多次表达了自己对中国足球发展的支持。
Trigger Mortis was released on September 8, ahead of the release of the latest Bond film Spectre which is out in cinemas on October 26.
TextPride已经改名为Swyft Media,并推出了一个能将新品牌表情符号和贴纸推送到短信应用中的新平台。各大品牌需要为此付费,一如传统的广告推广活动。
This is second major English-language role for the French actress, who co-stars opposite Daniel Craig in Skyfall as the enigmatic Severine. The movie opens Nov. 9 in North America but already is shattering records internationally.

This compared to a decade ago when there were six Asian cities, 10 European cities and four US cities in the top 20 of the list that calculates living costs in 131 cities in 93 countries and is used by companies for costings when relocating staff.
斗转星移关我何事?我的癖好才最重要。
和所有大学生一样,埃文o雷喜欢使用表情符号。但让他恼火的是,没有什么表情符号能够让他向圣母大学的同学表达自己对该校橄榄球队战斗的爱尔兰人的自豪感。于是,他和肖恩o欧布莱恩一起创办了一桩小生意,以弥补这一空白。这款名为TextPride的产品从体育和娱乐世界中获得图像授权,然后将其打包成贴纸出售。比如,在Kik这样的短信应用中,用户可以花1.99美元买一包迪斯尼电影《冰雪奇缘》的贴纸。
这款甜点有金色叶子,以香槟调味,单价为100美元。

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

China's economic performance in the past few years should suffice to put predictions of a hard landing to a full stop. China's economy will continue to enjoy medium-high growth and be upgraded to higher levels
Despite the breakthrough, Jack Ma, chairman of Alibaba Group, said there was no need for human beings to fear machines.

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.

节目8 创意儿童节目《剪花花》,邓鸣贺 邓鸣璐、中国舞蹈家协会南方舞蹈学校
改变思想
vi. 自制
夏普利对这一主题提出了早期的理论,在20世纪50年代和60年代利用博弈论来分析不同的匹配方式。与美国经济学家大卫?盖尔一起,他开发了一个数学公式10个男人和10个女人如何配对才能保证没有人会受益于配对伙伴。虽然这可能有一点影响到结婚和离婚,他们开发的算法已经被用于更好地理解许多不同的市场。

还有些人直接就玩消失了:
Helsinki-based developer Remedy Entertainment has blurred the line between Hollywood and games with previous incarnations Max Payne and Alan Wake. Now the studio is combining next-generation visuals with the tension and drama of scripted television. Set in the university town of Riverport, Quantum Break puts players in control of Jack Joyce and Beth Wilder, a pair of ordinary people who are given the extraordinary power to manipulate time after an accident that creates a time rift. Time will randomly break down during the game, which causes disasters in the environment that pause, stutter, rewind and freeze. Fans of Max Payne’s bullet time will see new strategies emerge with gunfights involving time-amplified combat as the player fights against the Monarch Corporation. In addition to the virtual storyline, the game features custom live action storytelling that’s personalized based on the decisions one makes.
考察指标包括“智力资本和创新”、“技术成熟度”、“区域重要城市”、“健康、安全与治安”、“交通和城市规划”、“可持续发展与自然环境”、“文化与居民生活”、“经济影响力”、“成本”和“宜商环境”。

他说:“目前为止,健身追踪器还不属于这类产品。但是下一代可穿戴设备有潜力跨越这个至关重要的里程碑。”
9. You've been avoiding your boss。

进口价值的增长是在强势美元推高进口商成本的情况下实现的。11月份以人民币计算的进口增长幅度则为同比增长13%,反映了人民币的相对弱势。
Among the year’s biggest surprises was the plunge in gasoline pries. Economists differed on the economic impact—money in the pockets of consumers offset by declines in exploration and drilling activity—but everyone agreed that it was bearish for small cars and hybrids. The combination of cheap gas and a steep sticker price made the Cadillac ELR the runaway winner of the most disliked car of the year award. Only 155 of the Volt-based $80,000 cars found buyers in November.
“…said he never lets people see him sweat — but he was sweating profusely.”

The Iranian dissident filmmaker, posing as a (barely competent) Tehran cabdriver, stages a sly, pseudo-documentary inquiry into the paradoxes of cinema and the contradictions of everyday life under authoritarian rule.
This marks the first time that Google has topped the list since 2011.
About 71.9 million units were shipped in the period, which includes the key Christmas shopping season. IDC said the decline was the worst since it started tracking PC shipments.
They were discovered in the modern-day Jiangsu Province near Shanghai inside the ancient tombs belonging to the rich and powerful.

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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在上月销量最高的SUV和MPV制造商中,大家所熟悉的长城汽车和上汽通用五菱汽车成功卫冕。在轿车和掀背车型上,上汽大众也保持其冠军地位。
2. 大卫·维勒莱斯(David Virelles),《姆波克》(Mbókò),ECM。才华横溢的年轻钢琴手大卫·维勒莱斯继续着对非洲-古巴文化与仪式的深入研究,带着有条不紊的酷意与精神上的开放性。罗曼·迪亚兹(Román Díaz)担任打击乐手,这张迷人的组曲有着既古典又现代的深刻内涵。

Matt Damon was named best actor in a comedy or musical motion picture for his role as a stranded astronaut in The Martian.
如果一个“推文幼稚的像个幼儿园小朋友”一样最年长的人,都可以当选总统,那为什么反过来不试一下,看看年轻人能否当选并明智地执政?
The banks' ability to return money to shareholders have declined. The slowing earning growth, high nonperforming loans and required deposits on the reserve have placed pressure on the banks in regards to capital supplement, said Guo Tianyong, director of the China Banking Research Center at the Central University of Finance and Economics.
3.别理会那些出现在CNN国际频道里、告诉你英国行为规范的打领结的专家。这些家伙通常来历不明,自己住在美国加州,却试图提供一些要么不相干要么过时了的建议。比如说,他们通常会告诉你,英国人喜欢排队;喜欢说对不起,即使有时候并不是他们的错误。而事实上,英国人也喜欢插队,而且还会用咳嗽把排在他们后面的人也吓跑。这取决于天气有多闷热潮湿。
“双创”可以说是应运而生,在全球化、“互联网+”的时代,我们推动“放管服”改革,也促进了“大众创业、万众创新”。

总部位于纽约的世界品牌实验室编纂并于上周一发布了《2016世界品牌500强》榜单,苹果公司夺得了第一名的宝座。
我发现自己很难开启一段对话
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.
单词syndrome 联想记忆:

We will continue to encourage people to start businesses and make innovations.
“People claim he has a cool exterior but he’s a very passionate guy and he stands up for what he believes in,” says Bob Iger, Walt Disney chief executive and Apple board member since 2011. “That is in both his personal life and at Apple.”

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

Here, a quick peek at Power Women 2013:
受到国家经济全面紧缩的影响,正面临弹劾的巴西总统迪尔玛?罗塞夫在去年十月时年收入下滑至10.34万美元,与之前相比下降10%。
Good health, good luck and much happiness throughout the year.
根据国内领先的求职平台前程无忧近日发布的一份关于2016年应届毕业生的研究报告显示,52.11%的高校毕业生已找到工作或自主创业。

4.不推崇微化管理
在007电影主题曲榜单上,《女王密使》的主题曲获得荣誉推荐。

“有个人给老板发了个短信,说他要离职了。”
Following the devaluation in mid-August, the renminbi rallied in September and October. Devaluation resumed in November, however, and the renminbi closed at its weakest level in three months at 6.4082 to the dollar yesterday. “Since October many countries around China have experienced some capital outflow, and China has had its share,” said Xie Yaxuan, an economist at China Merchants Securities in Shenzhen. “The strengthening dollar is bound to cause some repositioning into dollar assets.”
[in'fekn]
His first coding effort resulted in an app that played audio snippets from speeches by his idol, Steve Jobs, whose unauthorized biography he'd recently devoured. 'It was rejected by Apple for every reason,' D'Aloisio says now, laughing. 'Copyrighted audio, poor functionality, too simple.' Another early design allowed users to touch a picture of wood, producing a knocking sound. A third transformed a smartphone screen into a treadmill for your fingers. That one earned about $120 in sales on its first day.
这颗梨形蓝钻被命名为“蓝色”,重13.22克拉,拍前估价为2100万至2500万美元。