What Is a Finance Charge, and How Do I Avoid Paying One?
If you're savvy, you can avoid credit card finance charges entirely.
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.
《出生于缅甸皇室的她成为军阀和大毒枭》(The Female Warlord Who Had C.I.A. Connections and Opium Routes)
n. 人口 ，(全体)居民，人数
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
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.
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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
Now that Chris and his girlfriend, Rose, have reached the meet-the-parents milestone of dating, she invites him for a weekend getaway upstate with Missy and Dean. At first, Chris reads the family's overly accommodating behavior as nervous attempts to deal with their daughter's interracial relationship, but as the weekend progresses, a series of increasingly disturbing discoveries lead him to a truth that he never could have imagined.
Adding pictures of family or objects that are close to you will remind you of what you’ve accomplished and why you work so hard. Keep them on your desk or on a shelf nearby to help you when you need encouragement and motivation. We love the Set of Ten Gold Frames, $28, at UrbanOutfitters.com.
2. Worldwide Murders
如果有什么电影能够至少在两个小时里，为美国生活中深刻的种族、代际与阶层鸿沟架起桥梁，那可能就是这部古老的《洛基》(Rocky)系列的复活影片。西尔维斯特·史泰龙(Sylvester Stallone)拖着脚步，饰演这个聪明的老教练角色，给出了他演艺生涯中或许是最松弛、最温暖的表演。迈克尔·B·乔丹饰演洛基的被保护人阿多尼斯·约翰逊(Adonis Johnson)，他也是洛基一度的竞争对手和早已丧失的朋友阿波罗·奎迪(Apollo Creed)的私生子，他成了我们这个时代重要的影星。至于库格勒，这是他执导的第二部唱片，证明他是一个真正的斗士。
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
Russian President Vladimir Putin says he wants to develop better ties with the United States no matter who wins next year's U.S. presidential election.
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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Finding Dory releases on June 17, 2016.
In contrast to last year when the vast majority of economists expected the ECB to launch full-scale quantitative easing, just under half of the 33 respondents thought the ECB would do nothing this year. The rest said the ECB would expand QE or cut interest rates, although some of those who expected more easing stressed that the central bank was unlikely to radically reshape its existing policy response.
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.让温馨的祝愿、幸福的思念和友好的祝福，在新年来到你身边，伴你左右。
《火线警探》，FX，1月20日。副警长瑞兰·吉文斯（Raylan Givens，蒂莫西·奥利芬特[Timothy Olyphant]饰）与他的朋友兼天敌博伊德·克劳达（Boyd Crowder，沃尔顿·戈金斯[Walton Goggins]饰）之间爱恨交织的关系贯穿了整部剧，不管怎样，这个问题将在第六季，也就是最终季中得到最终解决。
在2017年FT对全球95个管理学硕士项目的排行中，虽然瑞士圣加仑大学(University of St Gallen)继续蝉联冠军，但法国和英国商学院分别以24个和18个项目入围成为中坚力量。超过一半的英国商学院排名上升，而只有一家法国商学院排名上升。三分之一的英国商学院排名上升5位，相比之下，三分之二的法国商学院排名下降5位或更多。
Kendall Jenner has knocked Gisele off the top spot as the world's highest paid model for the first time in 15 years.
Far away from the hustle and bustle of mega cities, Michigan's Upper Peninsula is an area full of stunning natural beauty and landscapes.
The official non-manufacturing PMI came in at 54.3 in October, down from a recent peak of 55.4 a month prior. A key sub-index for the services sector likewise fell 0.9 points from its September peak to 53.5. Even the construction industry appeared worse off, with a sub-index for the sector dropping 2.6 points to 58.5.
In the MBA ranking, LBS, Insead and Spain’s IE Business School are bunched together with only a few dollars between them. Insead has the top salary at $155,015.
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.
That is up from a rise of 11.2 per cent in September.
Forbes said that much of the decline in Trump's net worth is due to softness in the midtown Manhattan real estate market.
6. "How I Met Your Mother" (3.0 million)
Yes. Mr Modi’s overnight ban on using high-value bank notes was a big shock, and seriously disrupted the economy. But it delivered rich political rewards, bolstering the premier’s image as a decisive leader willing to take tough action against corruption. With the next general elections due in 2019, Mr Modi will be tempted to deliver one more big bang to dazzle voters. Watch out for dramatic action against wealthy individuals holding properties in others’ names to hide their ownership.
这是今年最精致的浪漫电影与最尖锐的反浪漫电影，均来自美国电影界最缜密的聪明人。两部影片之间的关系最好用一首威廉·布莱克(William Blake)的诗歌来总结——《土块与卵石》(The Clod and the Pebble)。
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Mr Na said that although South Korea had signed a trade agreement with China, there were plenty of other ways in which Beijing could punish Seoul.
Yesterday, Industrial and Commercial Bank of China and Bank of China — two of the Big Four state-owned banks — both reported that full-year net profits had risen by less than 2 per cent in 2015.
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
UPON HEARING, IN MARCH of this year, reports that a 17-year-old schoolboy had sold a piece of software to Yahoo! for $30 million, you might well have entertained a few preconceived notions about what sort of child this must be. A geeky specimen, no doubt. A savant with zero interests outside writing lines of code. A twitchy creature, prone to mumbling, averse to eye contact.
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A median forecast from economists had predicted a 0.9 per cent rise.