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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?

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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.

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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

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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

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吉尔莫?德尔?托罗是讲故事的大师,今年他执导的《水形物语》又是一部带给观众的现实童话。故事背景设置在1962冷战时期的美国。埃莉萨(莎莉?霍金斯饰)在一个政府名下的实验室工作,那里戒备森严,她常常深陷孤独,感觉受困于隔绝人群的生活。然而,埃莉萨和同事塞尔达(奥克塔维亚?斯宾塞饰)发现了实验室里一个机密实验,此后她的生活就被彻底改变了。
中国商务部(Ministry of Commerce)表示,今年1-10月中国对外投资总计863亿美元。

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

In February, Maddie joined Sia and Kristen Wiig in a performance of the track for the 2015 Grammy Awards as Kim Kardashian and Kanye West looked on from the front row.
Among 36,000 who have reached celebrity status on the Internet, 74 percent are women and 87.8 percent are between 17 to 33 years old, while 89 percent have a college education.

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.

马特达蒙凭借他在《火星救援》中扮演的被困宇航员一角而荣获喜剧类最佳男主角奖项。
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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.

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统计数据显示,在2009年之前,全球研发支出以每年约7%的速度增长,但在2014年放缓了4%。
Matthew McConaughey and Jared Leto both won for their startlingly gaunt performances in the Texas HIV drama 'Dallas Buyers Club.' Leonardo DiCaprio, a nine-time Golden Globe nominee, won his second Globe for best actor in a comedy for his uninhibited work in 'The Wolf of Wall Street.' He thanked director Martin Scorsese for his mentorship ('Wolf' is their fifth film together) and for 'allowing me to stalk you to make this movie.'

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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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2013年排名:3
卡恩在宣布收购交易的博客文章中表示,尽管移动设备在改变我们的日常生活,但“大多数文章和网页的格式是为PC端设计,适合用鼠标点击浏览。在手机或平板电脑上浏览它们可能构成重大难题——读者希望更方便地找到对自己重要的内容。”

在导演阿方索?卡隆(Alfonso Cuaron)和同事们(其中包括知名电影摄影师艾曼努尔?卢贝兹基(Emmanuel Lubezki)、制片设计师安迪?尼克尔森(Andy Nicholson)和编剧霍纳斯?卡隆(Jonas Cuaron))的共同努力下,《地心引力》丰富了电影的拍摄手法。《美国电影摄影师》(American Cinematographer)杂志上个月的封面故事刊载了关于《地心引力》制作过程的文章,对电影技术感兴趣的读者可以一探究竟。读者们可以在网上阅读该杂志。不过任何看过《地心引力》的观众都已经领会到了该片的情感内涵,这部电影把观众们带进入了一个寂静危险的外太空和一个深度愉悦的内心世界。
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The show was a potent reminder that the sexual revolution and women entering the work force and the rise of consumerism and the Age of Aquarius (all that) had a dark side, and claimed their own victims. That’s part of why it was such a powerful show.
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