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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.

扎克伯格还协助成立了一个名为FWD.us的游说团体,旨在推动美国的移民和教育改革。
The exchanges revealed there is little major difference between the two in term of their approach to security and foreign affairs. On Iran both vowed it will not be allowed to have nuclear weapons. Rommey said he would introduce more stringent sanctions; Obama said they were already as stringent as they could possibly be.

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

在完成作业不久之后,孙轶萧就听到外面嘈杂的响声。

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

Losers: Knicks

尽管有少数人坚持这种说法,但绝大多数研究气候的科学家表示,地球正在经历一个长期变暖的趋势,这种趋势给人类带来深刻的威胁,而且几乎完全是由人类活动造成的。
Also on the first floor is a library with dark paneling, as well as a fireplace. The kitchen is outfitted with granite countertops, tile surrounds, stainless-steel appliances and a checkered floor. French doors open to a patio.
祝你在新的一年里身体健康,多福多寿。
Columbus Day became a U.S. holiday in 1971. It is generally observed by banks, state government offices, the Postal Service and federal agencies. The bond markets are closed for the holiday, but many businesses and stock exchanges remain open.
谢亚轩估计,11月中国外储下降的大约40%(350亿美元左右)可归因于欧元和其他货币相对于美元走弱的估值影响,而不是资本外流。
007系列电影主题曲第七名:卡莉·西蒙--《没人做得更好》

你正在寻找其他工作
As fall arrived and school began, D'Aloisio felt immense pressure to deliver for his backers. He needed to whip his algorithm into better shape, so he contracted a team of Israeli coders who specialize in natural language processing. Searching on Google, he found and hired a retired professor living in Thailand who'd written seminal books on the topic. 'He became our main scientist,' says D'Aloisio. 'He now works at Yahoo! in the Sunnyvale office.'
Only Kobe Bryant had played in more games by age 32, and did so with fewer minutes, and that's just including regular-season games.
《海底总动员2》将于2016年6月17日上映。

2017年最佳国家瑞士首度排名第一。瑞士以中立而闻名,“乐于谈生意”排名第三,“公民权益”排名第三。
较为大胆的律师将开始采用更为“科幻”的程序,这些程序宣称在上法庭前就能预测法律纠纷的结果——通过分析类似案件和过往裁决、反对方策略和胜诉/败诉统计数据、某些律师在某些法官面前的成功率等等。
30岁的阿什莉·格林汉姆是首位跻身收入榜单的大码模特,她通过自己的内衣和泳衣品牌代言合同赚得550万美元,排在榜单的第十位。
n. 舞厅

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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线索可能隐藏在价格之中:H股很便宜。H股指数市盈率为7倍,低于西班牙(该国失业率达到22%)、巴西(该国依赖大宗商品,因而也依赖中国)以及受中东乱局影响的土耳其和埃及。

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.

201007/109869.shtml
电影主人公名叫韦德·威尔逊,由瑞安·雷诺兹扮演。威尔逊是一个拥有超强自我修复能力的雇佣兵,擅黑色幽默。他一直在寻找那个将他投入凶残实验、几乎毁了他一生的人。《死侍》由漫威公司出品, 塑造了一个超常规的反英雄人物。
或许你在与你不赞同的决定的争论中表现得更加勇敢,福斯说“任何偏离你常有表现或者你一笑而过的态度的行为,”她说到。
“有些诡异的是,这跟马克o贝尼奥夫创立Salesforce.com时的情形非常相似,这点地方根本不够从事客户关系管理(CRM)使用,”米奇o哈珀表示。他与联席CEO艾迪o马查拉尼在2009年创立了这家公司。

Besides Edhec and HEC, Essec Business School, ESCP Europe and Skema Business School are in third, fourth and sixth places respectively.
“An employee packed up her belongings and walked out without a word.”
巴尼汤普森(Barney Thompson)是法律记者

《沃兹汽车》将于1月15日在底特律一个与北美国际汽车展(North American International Auto Show)联合举办的仪式上颁发十大最佳引擎奖。
It all started when Beatty opened the envelope to read the winner for best picture. He looked confused, took a long pause and then glanced at Dunaway. "Come on!" Beatty handed the envelope to Dunaway, who announced: "La La Land!"

But what will politicians actually do While President Trump is focused on bringing back traditional manufacturing jobs to America, different US states are experimenting with other policies to help low-paid precarious workers. These range from sharply higher minimum wages to new rules to stop employers changing staff schedules at the last minute.
2. Shanghai, China-The enormous metropolis of Shanghai—China's most populous city—has an historic urban core which sits alongside its status as a contemporary, global financial hub.
Years of growth fuelled by access to cheap funding by virtue of low interest rates in the developed world and China’s robust appetite for commodities are seen ending, leading economists at the Bank of International Settlements to warn of negative spillovers as borrowing costs rise.

Romance was different then - with no computers, letter writing was the only way to stay in touch and remains more romantic than emails, he said.
饰演《哈利·波特》里赫敏一角的艾玛·沃特森在2015全球十大美女榜中居第五。这位英国演员、模特、社会活动积极分子在2015年“问男人”网站评选的“九十九位最杰出女性”中夺冠,并且在《时代》杂志全球最具影响力人物评选中列第26位。
Banks, asset managers and insurance companies have flocked from mainland China to acquire prime Hong Kong office buildings, prompting the territory’s government to announce it will release more land for commercial redevelopment in the oversubscribed heart of the city.
这一要求出自我国交通部近日发布的关于出租车、网约车服务的两项新规其中的一项。两项新规将分别于今年10月、11月生效。

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.

adj. 聪明的,时髦的,漂亮的,敏捷的,轻快的,整洁的
Scarlett Johansson of Captain America: Civil War was third at $25 million, down nearly 30 percent from 2015.
泰勒·斯威夫特和凯蒂·佩里选择了两种样式完全不同的极为诱人的礼服。泰勒选择了一款能够展现她修长身材的传统好莱坞式、迷人的古希腊风格的露背礼服,而凯蒂则穿着一件更短的、更有活力的礼服,每个地方都露了一点。

Bolder lawyers will start working with more “sci-fi” programs that claim to predict the outcomes of legal disputes before they have reached court, by analysing similar cases and past rulings, opposition tactics and win/lose statistics, the success rates of certain lawyers before certain judges, and so on.
啊,美国电话电报公司的命真好:同史蒂夫?乔布斯的关系最好,拥有iPhone的独家运营权(现在是如此),还是iPad的运营商之一。一切都对它有利,可为什么股票没有猛涨呢?截至4月1日,今年苹果公司的股价已经飙升109%,标准普尔指数也上升了41%。美国电话电报公司的股票呢?下跌了2%。问题在于发展,或者说缺乏发展:无线业务已经饱和,发展甚微,而占销售额25%的有线电话业务却出现萎缩。除非其高速互联网业务,或者iPad促使新的无线业务实现增长,否则其股票在华尔街将会继续遭受打击。
[grɑ:nt]
breakthrough
《拉里·威尔莫夜间秀》(The Nightly Show with Larry Wilmore),Comedy Central,1月19日播出。威尔莫的主题喜剧秀将取代《科尔伯特报告》(The Colbert Report)在夜间11:30播出,这是深夜节目多样化的最新尝试。完全没有压力!

Twenty years of global negotiations aimed at slowing the growth of heat-trapping emissions have yielded little progress. However, 2014 saw signs of large-scale political mobilization on the issue, as more than 300,000 people marched in New York City in September, and tens of thousands more took to the streets in other cities around the world.
The Internet has flattened the world, and Facebook has banded us together as one big family. Our grandfathers inherited regions, my generation inherited nations, you have inherited the world. You are now only 4.74 people away from any human being and an average of two days away from any inhabited corner of the world. So travel. Africa, Europe, India, China or Brazil, go where you can learn the most, embrace what can teach you the most.
“Right now the fitness tracker isn’t on that list,” he says, “but the next generation of wearables has the potential to pass that critical milestone.”
十年前,斯蒂尔作为一名成功的投资顾问在世界电信展(ITU World)上发言。世界电信展是联合国主导的一项活动,重点是科技在政府中的应用。同一周,加州经历了史上第一次州长罢免选举。斯蒂尔不敢相信,在如此重要的选举中,会出现这种不合时宜的平台故障(三年前才刚刚发生了臭名昭著的佛罗里达州总统选举罢免),所以她决定凭一己之力来解决这个问题。到目前为止,共有169个国家使用了Everyone Counts的电子投票平台,包括波斯尼亚黑塞哥利亚和奥斯卡奖评审委员会。

创始人的心态将为公司定下基调。消极、懒惰和理所应当的心态,不仅浪费时间和金钱,还会损害你的信誉。成功很大程度上取决于能否在犯错后从容地接受批评。直面挑战可以让一位普通的公司老板变成真正的领导者。
Trailing behind "Game of Thrones" on the most downloaded list are "Breaking Bad" and "The Walking Dead." Here is the list of 2013's most-downloaded TV shows (single episode) according to data collected by TorrentFreak and BitTorrent trackers:

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

John Hummel, chief investment officer for AIS Group, a fund manager with $400 million under management, said all the new sources of global oil are expensive to extract, and he sees U.S. shale output falling by 2015.
The survey by the Public Religion Research Institute in partnership with the Religion News Service found political and religious disagreement on what is behind severe weather, which this year has included extreme heat and drought.
单词summary 联想记忆:
After decades of promise, new gene therapies are starting to deliver real results. Like all new therapies, communicating accurately how and where it works will prove as challenging as the treatment itself.

单词refrigerator 联想记忆:
A retrospective section will include movies produced by the Shanghai studio Wenhua, a company founded in 1946 that ushered a new era of Chinese art-house films, Zhang said, giving viewers "a glimpse of Chinese cinematic culture and history".

n. 隧道,地道
The civil service exam consists of writing tests and interviews. The interviews are expected to be held in February or March, after the writing test results come out in January.
6. 米兰达?可儿
So many of us habitually gossip, whine or complain. But do any of these too often and your job could be on the line. These all lead to the same end result: you become a headache for your manager. Your boss is likely responsible for ensuring her teams are contributing to positive morale and anyone on the team who is counterproductive to that reflects poorly on her. Negative employees are often referred to as 'cancer' by upper management for good reason: they will eventually be cut out. A good approach if you have a complaint is to speak with your manager directly, in private. Never drum up your co-workers for support first.
紧随其后的是亚马逊创始人杰夫·贝索斯,这是他第一次排名第三,由于亚马逊股值飙升,他的资产达到了728亿美元。