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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.

Will the Federal Reserve's path out of bond buying get bumpy?
Separate temperature measurements taken from satellites do not show 2014 as a record year, although it is close. Several scientists said the satellite readings reflected temperatures in the atmosphere, not at the earth’s surface, so it was not surprising that they would differ slightly from the ground and ocean-surface measurements that showed record warmth.

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

另一方面,2月PPI同比下降4.9%,低于1月5.3%的同比降幅。2月PPI降幅为8个月以来最低降幅。

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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And while many Bond girls fade into acting obscurity or fall into second-class flicks after making a 007 splash, Marlohe and her agents at ICM Partners are making sure the actress surrounds herself with top-flight talent as she uses the Bond movie as a launching pad for an international career.
Rankings for Greece, Italy, Portugal and Spain fell dramatically because of the impact of the eurozone crisis, while Egypt, Myanmar and Saudi Arabia registered large falls in the wake of recent political and civil turmoil.
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5. Starbucks. Brand love: 26% / Social Business Index Rank: 26
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China's National Bureau of Statistics said its property prices index for November showed that new home prices fell 3.7 per cent from a year ago, the third straight annual decline following readings of -2.6 per cent in October and -1.3 per cent in September.
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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

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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。

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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It is the first time since 2001 that an athlete other than Mayweather Jnr or golfer Tiger Woods topped the earning league.
据中国电影监察机构日前表示,2016年中国票房总额有望超过2015年的440亿元人民币(折合68亿美元)。

如果你每周的周一到周五没有一天早晨醒来感到一种想要去工作的兴奋,那么这就是一个问题了。那意味着你没有能够享受你的工作并且你的工作正在破坏你的生活质量。如果你每天醒来,恐惧去上班,那么是时候辞掉你的工作了
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其中一项被提议的改变是:要求租金管制型房屋的租户提供收入证明。

Beijing is banning Chinese tour groups from visiting South Korea, the latest retaliation against the planned Korean deployment of the US-built Thaad missile shield, according to two people with knowledge of the plans.
受能源和大宗商品价格日益下跌影响,中国12月工业生产者出厂价格连续第34个月下跌。

In a vote by Sina Weibo,China's Twitter-like website, 58.5 percent of people "liked" the ink painting version of the monkey, only 14.4 percent like the front view of the 3D version, while 12.5 percent want to "change its clothes", supposedly meaning they don't like the colors.
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10月份,CPI环比下降了0.1%,9月份则环比上涨了0.7%。

报告提供了对除北京和上海之外的28个国内商业和行政中心城市进行的深入考察。
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In a blog post announcing the deal, Mr Cahan said although mobile devices were shifting our daily routines, “most articles and web pages were formatted for browsing with mouse clicks. The ability to skim them on a phone or a tablet can be a real challenge – we want easier ways to identify what’s important to us.”
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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.

Industrial production expanded 1.4 per cent month-on-month in October, the quickest pace since a 4.1 per cent rise in January. It was better than the 1.1 per cent gain in September, but still fell short of economists' expectations for a gain of 1.8 per cent.
When did winter become the season of television’s most distinguished content? The fall season, with its organized and heavily publicized broadcast-network premieres, still gets the attention, but a greater number of interesting shows now arrive on cable, broadcast and online in the first quarter of the year.
Wang Jie, the general manager of a Beijing-based investment company, said the higher pay for executives in the financial and real estate industries shows the imbalance of development in China.

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And regarding Ukraine, the Russian president again denied that there are Russian troops operating inside eastern Ukraine where a pro-Russian separatist movement is fighting Ukrainian government troops. But he said Moscow never denied that "certain people" were there carrying out tasks "in the military sphere." He said Russia plans no sanctions against Ukraine, but will not extend preferential trade to Kyiv.
Two of Summly’s employees will move to Yahoo’s California headquarters, but – for now – Mr D’Aloisio is resisting the lure of Silicon Valley.
9月12日,苹果将在位于库比蒂诺(Cupertino)的新总部举行产品发布会,届时备受期待的10周年纪念版iPhone预计将会亮相,这款智能手机的显示屏、摄像头和总体设计都会有重大升级。

There are 15 Chinese brands in the top 100, one more than last year and a sharp rise on a decade ago, when China Mobile was the only Chinese brand.
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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.
This post is in partnership with Time. The article below was originally published at Time.com

主流网络游戏仍然是大型多人在线角色扮演游戏 (MMORPG)。报告说,今年10月,中国最热门的10款网络游戏中有6款都属于大型多人在线角色扮演游戏。动视暴雪(Activision Blizzard)开发的《魔兽世界》(World of Warcraft)在注册用户和最高同时在线人数方面仍然排名榜首。但报告指出,目前围绕着这款游戏大陆运营权的政府监管纷争可能会给《魔兽世界》带来负面影响。网易公司目前持有《魔兽世界》的中国大陆独家运营权。
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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

World's Most International Universities Ranking 2016 by The Times Higher Education included 200 universities from 28 countries. It employed indicators such as the proportion of international staff, the number of international students and research papers published with at least one co-author from another country of each institution.
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"As a native of Shaanxi, I found Sun played the role well. She jumps and runs wildly, just like a typical young naughty Shaanxi girl," a netizen Xuelili said.
考虑到波士顿咨询集团(Boston Consulting Group)管理合伙人理查德莱塞(Richard Lesser)的第二任期将于10月结束,该公司可能也将引来变化。然而,由于该公司拒绝就其选举流程及领导人最多可以有几个任期置评,莱塞的未来尚不明确。

There are no such circuit breakers in Hong Kong where the H-share index of mainland equities fell less than 4 per cent on unremarkable volumes. One might have expected more of a bloodletting. Mainland retail investors participate in both markets — a function both of Stock Connect and a leaky system — and if you can’t sell what you would like, you sell what you can. Foreign H-share investors too might be presumed sellers, having been the most bearish on China’s economy. Yet yesterday, even as Shanghai opened down a further 3 per cent (before rebounding), Hong Kong’s H shares remained resilient.
Leading actress Sun Li played Zhou in the drama. Despite her age, Sun, who was born in 1982, still successfully presented a lovely and innocent teenage Zhou in the eyes of many audience members.

Despite the promise of downloadable courses, teaching for officially recognised qualifications continues to be a classroom-based activity undertaken in the real world. Start-ups have taken the attitude that if they cannot beat the universities and colleges at their own game with new methods of delivery, they should join them in partnerships. As a result, they have been busy getting examining boards to endorse their online courses so that they can count towards a bachelor’s or master’s qualification.
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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.
LBS’s programmes consistently rank highly for the extent to which alumni reach their targets. “I managed to achieve not only the goals I set for myself but to exceed them with the job I secured,” says one 2010 MBA graduate who responded to the FT survey.