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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.

LBS moves back to the top place, thanks in part to the highest salary, at $167,000, and being second best in value-for-money terms. The school is first for international course experience and second for alumni mobility.
问:对于你的作品在西方广受欢迎一事,你是怎么看的?

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

上述消息源还称,苹果将在明年10月发布一款12.9英寸的平板电脑,“目标消费群是北美的教育市场(和)……生产商是广达电脑(Quanta Computer)”。有报道称,三星也在研发尺寸在12至13英寸之间的平板电脑,而现在看来,“这些大尺寸平板电脑将极大地影响超极本需求”几乎是板上钉钉的事了。新款“iPad Max”,搭载整合了键盘和电池的新款外壳之后,实际上就是一台笔记本电脑,很有可能在高中生和大学生之中成为主流产品——这一人群需要比现有iPad和iPad Mini产品更好的内容创造工具。

Winners: Mavericks
5. Lacking confidence in your career intuition
设在日内瓦的国际移民组织星期二公布的数字显示,一百万零五千五百零四名非洲和中东的流动人口,以非常规方式通过陆路和海路进入欧洲大陆,这个数字是2014年的四倍。
通过比较不同地区指定类别的生活成本,《经济学人智库》指出,亚洲城市在食品上的购买成本最高,其中韩国首尔的食品价格最高。欧洲城市则是在休闲娱乐用品上的成本最高。
茱莉亚哈茨
这将是一部非常有趣的电影,刻画出了美国队长与钢铁侠之间微妙的关系, 两人经常陷入信任危机。

中国人民银行(PBoC)干预外汇市场由来已久,目的是防止过度波动。不过,交易员们表示,自今年8月以来,这种干预已从国内即期市场(覆盖日常交易)扩大至包括香港的离岸人民币市场,以及在岸和离岸期货市场。
中国股市的跌势仍在继续,现在“红线”已触,一切都提早结束了。
安汉德
My Sunshine is a TV drama adapted from Gu Man`s novel of the same title. It stars Wallace Chuang and Tang Yan, premiering in January, 2015. The drama depicts a man and a woman`s reunion and long-lasting romance after seven years of separation. The novel itself has been popular on the Internet and was published in 2003. Wallace Chuang soon rose to become a romantic icon among female viewers because of the role he played in the adaptation, presenting an ideal image of lover to the audiences.

10月份,尽管中国出台了大量限购措施,中国新建住宅价格增速却仍然加快。
Similar to quick LinkedIn overhauling, Foss says employers will likely notice if you abruptly go from tweeting cat GIFs and "Game of Thrones" spoilers to posting thoughtful, industry-focused content and participating in job-search Twitter chats. These are generally good moves for your job search, but bad ones for keeping it under wraps, so again, take it slow。
Many investors, it turns out, are siding with Mr Cook. After a tumultuous 2013, the share price has increased by around 50 per cent since that shareholder meeting, at one point taking its market capitalisation above $700bn.
专家等到夜幕降临才实施爆破,10秒钟内就夷平了十五万平方米的混凝土、玻璃、钢筋。

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

We began the year worried that the US was poised to withdraw from the World Trade Organisation. That hasn’t happened. And it’s now unlikely to any time soon.
埃米?珀勒(Amy Poehler)狂吻博诺(Bono),蒂娜?费(Tina Fey)吐槽乔治?克鲁尼(George Clooney)只爱年轻女人,而诡异的是马特?戴蒙(Matt Damon)当晚数次“中枪”。

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.

这款甜点有金色叶子,以香槟调味,单价为100美元。
还有呢,就是道德。“如果你通过使用公司的设备来设法离开这里就实在对你的雇主太不公平了。”福斯说。
但是他们摆烂的原因还是各不相同的。比如热火队,他们试图通过输球来锻炼队中的年轻人并且确立一个核心;比如魔术队,他们试图摆脱停滞不前的过程。
“The individual sent an email blast to the entire staff.”

The city of 21 million people recorded 1.86 trillion yuan in total consumption in 2015, marking a yearly rise of 8.7 percent. Consumption contributed over 70 percent to the city's GDP growth.
Seoul insists the activists have a democratic right to send the leaflets, but has appealed for restraint to avoid overly provoking the North.
让自己坐的舒适。在弄了这么多之后,最重要的一点是要让自己感觉到很舒适。

《一名拍摄黑手党的西西里摄影师和她的“鲜血档案”》(A Sicilian Photographer of the Mafia and Her ‘Archive of Blood’)
美国选举人团制度已经在两方面失效。

最近两年你都没有涨薪水
这样的要求不可谓不苛刻。现在,有上千个供应链岗位正虚位以待。如果你希望谋求此类职位,可行之策是先接受物流培训。目前有许多学院和大学都提供此类培训,其中有些是在线课程,如美国宾州州立大学(Penn State)就提供在线供应链管理研究生培训,并颁发证书。
People (read: your boss) will notice if you go from sporting a uniform of jeans and a T-shirt to showing up in a tailored suit on interview day. This is all the more reason to take the day off from work to interview, but if you don't, dress as usual at the office. And then, Foss says, "leave the premises, and stop in a McDonald's parking lot on the way to the interview to change."

彭博(Bloomberg)的调查分析此前预计1月份中国CPI应上升1.9%。
D型人格的人通常自尊心不足,害怕被反对。这也是他们不想向其他人敞开心扉的主要原因。
波多黎各人自前任总督的过去4年受到了几十项新税收的影响,还增加了水电费。加西亚·帕迪利亚设法为政府创造更多的收入,他说资金正在用尽。尽管有某些和那些措施,岛上政府已经违约上百万美元的债券付款,数个机构宣布进入紧急状态。
其关于朋友间爱情、事业、友谊的主题仍然与今天的年轻人息息相关。

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.

We have confidence that we will continue to open this country at a higher level, and maintain this country as a popular destination for investment. We welcome other partners to work with us to share in the development opportunities of China.
pro在前面+tect盖上+ion→保护
不要误以为最后时刻的风平浪静就意味着截止期限前的动作是平淡无奇的:

n. 规章制度,草案,协议,外交礼仪
Stripping out price, volumes of Chinese imports in October fell a more modest 2.6 per cent from a year earlier, according to estimates from Oxford Economics.
We will move forward with ecological conservation and improvement.
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1985年2月是全球表面温度低于给定月份的20世纪平均值的最后一个月份,这意味着所有年龄在30岁以下的人都没有经历过低于平均温度的月份。最后一个低于20世纪平均温度的年度是1976年。

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2. 美国页岩油。截至2014年底,美国页岩油日产量已经超过900万桶,比2007年增加了80%。这些页岩油是造成石油供给过剩的主要力量,而供过于求是2014年油价暴跌的诱因之一。总的来说,美国页岩油开采公司都搬起石头砸了自己的脚,但关键在于,西德州轻质低硫原油(WTI)价格跌破60美元对它们有何影响?页岩油钻机数量不断减少,相关开支也遭到削减,然而到目前为止,美国页岩油产量依然稳定。按照当前油价,这个行业能否维持产出水平,或者说美国页岩油产量会不会减少将对国际市场供应乃至油价产生重大影响。
科派斯塔克说,人们对经济紧缩和欧元稳定的忧虑使得过去一年欧元区城市的生活成本指数降低了,而加拉加斯能跻身前20则是由于人为的高汇率管制。
在海外工作过至少6个月的女性少于男性(比例分别为42%和52%),但动机完全一样:加强管理能力、打造自己的人脉以及提高薪资。

8.Please aid the Olympic authorities and organisers by demonstrating at all times that you are not a terrorist. Do not perspire, take off your shoes, smile in a weird way while texting someone, or point and shout: "Hey! Look at all those missiles on that roof over there!" In fact, if you're not using your hands for anything, it's probably best if you keep them in the air where everybody can see them.
然而,至少有两名哈佛教授对取消入学资格的做法表示质疑。哈佛大学法学院荣誉教授艾伦?德肖维茨告诉《卫报》,学生们因互相之间“开非常恶劣的玩笑”而失去哈佛的入学资格,这样的“惩罚太苛刻”。

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

《她》(Her),由斯派克?琼斯(Spike Jonze)担任编剧兼导演,将浪漫带入了虚拟世界,影片的主人公展开了一场有些疯狂的真正激情之旅。华金?菲尼克斯(Joaquin Phoenix)扮演的男主角是个令人心酸的孤独小伙子,他爱上了自己智能手机的新操作系统。影片的基本构想有些脆弱,但故事非常华丽地展开,霍伊特?范?霍特玛(Hoyte Van Hoytema)的摄影也很精妙,完美地烘托了菲尼克斯、艾米?亚当斯(Amy Adams)和斯嘉丽?约翰逊(Scarlett Johansson)的表演。斯嘉丽?约翰逊在片中扮演的是智能手机操作系统的声音和灵魂。
事实上,贷款给Seppenwolde的那些机构一个荷兰盾都没损失。他们在几周内就清空了全部的东印度股票,收回了所有贷款。
她也曾应邀参加《吉米秀》(Jimmy Kimmel)和《艾伦秀》(The Ellen Show)。对于一个青春期未到的人来说,有机会上这两个节目还算不错。
2、天津爆炸

With his technical genius and startup launched, he's not planning on going back and finishing high school, either."This is my third time applying for the Fellowship. I first applied when I was 14," he said. "I told my parents when I first applied and they weren’t really supportive. But then they kind of saw what I was doing in high school, I wasn’t spending my time as effectively as I could. I started spending more of my time at MIT and they understood. When I did receive the fellowship, they were supportive."Fortunately for Sohmers, he's in good hands. He's part of class No. 3 and Thiel fellows have a promising track record so far: it's launched 67 companies that have created 135 full-time jobs and raised $55.4 million in angel and venture funding, the Wall Street Journal's Lora Kolodny reports.At 17, Sohmers is unconcerned that being a high-school dropout will affect his career in any way."If I don’t end up changing the world with this I can find something else," he said. "People think that there’s a big thought war between these two sides [education versus entrepreneurship]. But when it comes to the researchers, they care less about the degrees that you have, and more about what you can actually do."
Another positive of the scheme is that it encourages professional flexibility, preparing the young for the career zigging and zagging that might be necessary in the modern world of work.

同样,学校暑假期间在普华永道的一个为期3周的实习职位让她有机会体验在一家专业服务公司的生活。她说:“我曾经以为自己参加不了(普华永道项目),因为我没有工作经验。”
万分沮丧之下,他发明了可以允许自拍的东西:他称之为"伸缩杆"。因为智能手机还没发明出来,所以,连接在自拍杆末端的是一个微型相机。在杆的前端有一面小镜子,方便使用者调整他们在相机里的姿态。他在1983年为"伸缩杆"申请了专利。虽然自拍杆进行了大量生产出售,却属商业败笔——相片的质量比较差。另外,以前的研究表明,那时的女士会因自己有自拍的想法而感到尴尬。在2000年,自拍杆被韦恩·弗洛姆(Wayne Fromm)重新发明,那时,上田宏的"伸缩杆"专利期尚有三年。弗洛姆称他的自拍杆为"快捷豆荚"。他认为他才是当今自拍杆的发明者,甚至起诉其他自拍杆生产者。当被问到上田宏的自拍杆时,弗洛姆评论说它们是"先前的艺术"。
获奖者:林赛·罗韩
Stand: Wal-Mart U.S. President and CEO Bill Simon pledged to hire veterans
The job market faces challenges. Some five million Americans have been out of work for six months, raising the risk their skills will erode and make it even harder for them to find jobs down the road. And fears of slowing revenue growth could keep a lid on hiring by companies. About 36% of U.S. executives expect the head count at their firm to fall, according to an October survey by advisory firm CEB, compared with 29% who said that during the summer.[qh]