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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.

However, significantly fewer women (59 per cent) occupy positions as department heads or above than men (68 per cent) three years after graduation.
艾略特说道:“悉尼房价疯涨是因为国外投资者们正在如邦迪海滩这些地方购买炫耀性资产。”

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

那么,何种力量将决定大众明年提出的问题?这取决于你的身份(和居住地)。虽然购房者在新的一年里还将迎来高风险的竞购战,但是纽约市的偏远社区(说的就是你,大广场区[Grand Concourse])将会有大量寻求廉价住宅的潜在居民——所谓廉价,也只是针对那些令多数普通人可望而不可及的黄金地段,相对而言的。

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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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

今年,纽约市公寓的平均售价突破了100万美元(约合人民币623万元),这是一个影响深远的里程碑。随着城市人口的激增,错过了上一轮楼市繁荣期的社区,都见证了房价和楼盘数量的增长。
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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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Lei Jun, founder and chairman of Chinese smartphone giant Xiaomi Corp, agreed, describing the win as a breakthrough in artificial intelligence.
In 1953, Patient HM had experimental brain surgery that left him with striking amnesia. Decades of subsequent research with HM by neuropsychologist Suzanne Corkin made a major contribution to our understanding of memory.
Texas was one of the first states to emerge from the recession and it continues to attract companies on the basis of its low tax burden, predictable regulatory environment and skilled labor force. Texas employment is expected to expand 3% annually through 2017, according to Moody’s. (Arizona’s forecasted rate is a microscopic 0.04% better). Texas has attracted a lot of attention from California companies and Governor Rick Perry has not been shy about contrasting the business climates of the two states. California firms EBay and Electronic Arts have both chosen Texas for large expansions in recent years. Austin has been a hotbed of activity this year with Accenture

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伦敦阿格纽艺术品交易所(Agnew’s)的主管安东尼·克赖顿-斯图尔特(Anthony Crichton-Stuart)说:“如果没有意识到我们处在非常危急的关头,那就太天真了。人们的偏好出现了重大转变。但是如果拍卖会上出现一幅18世纪前绘画大师的佳作,而且价位合理,人们还是会感到兴奋。”
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对俄罗斯黑客行为的指控以及特朗普在经验、判断和性格上的明显缺陷表明,选举人团制度没能佐证汉密尔顿希望的那种保障作用。
我国发展到现在这个阶段,不靠改革创新没有出路。我们拥有世界上数量最多、素质较高的劳动力,有最大规模的科技和专业技能人才队伍,蕴藏着巨大的创新潜能。
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Do you often feel gloomy and down in the dumps?

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.

This year, pop's best albums came from strong women who had a lot to say: Lorde's searing look at loneliness, Kesha's raucous statement of liberation, Taylor Swift's reckoning between her self and the version presented in the press.
The report also found traffic congestion in first-tier cities such as Beijing, Shenzhen, Guangzhou and Shanghai have stopped getting worse with local government efforts.
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The Lord of the Rings trilogy. The amount of time before I need an oil change. My cell phone's battery charge. What do all of these things have in common? The
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The Man Who Knew, by Sebastian Mallaby, is the 12th winner of the £30,000 award, which goes to the “most compelling and enjoyable” title of the year.

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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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国家统计局日前在其官网上声称,2017年,衡量通胀的主要指标全国居民消费价格指数(CPI)上涨1.6%,低于3%的全年控制目标。
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The tightening drove some enterprises seek other financing options such as bonds or listing on the National Equities Exchange and Quotations (NEEQ).

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《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。

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当你报名了学习某门课程时并要开始学习时,你要确保自己已经将孩子安顿周全。学习和照顾孩子兼顾是人之常情。每天都有人做着这样的事。
此类洞见尤其引起诉讼出资人的兴趣,后者支持原告以换取一定比例的损害赔偿金,并在出钱之前试图评估纠纷的可能结局。但是这种技术可能要到2019年乃至更遥远的未来才能突破。
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