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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.

“We sell cars+ , if you don’t give us cars, naturally we won’t be able to go on, we’ll close,” Wang said in an interview, estimating import dealers are losing between 3 million and 10 million yuan a year each. The group seeking compensation represents 30 of the roughly 40 remaining imported Hyundai dealers in the country.
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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

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.

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

中国力争达成自己的亚太区协议

The average price for new residential housing rose 12.6 per cent in November year on year, according to a weighted average from Reuters based on data for 70 major cities published by the National Bureau of Statistics. That is up just 0.3 percentage points from October, whereas previous months had frequently seen jumps of 1 or 2 percentage points at a time.
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Sport dominated the trending searches, with Euro 2012 and Olympic tickets showing the biggest rises in interest ahead of Houston and the Duchess of Cambridge.
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寻找工作的雇员并不希望将这些蛛丝马迹被他们的经理发现,凯说,但是他们确实被发现了。
当时,身为首席执行官的库克也承受着压力,因为苹果除了从iPhone攫取利润之外,缺乏清晰的产品开发方向。维权投资者嗅到了血腥,开始围攻这家公司,打头的是大卫?艾因霍恩(David Einhorn),接着是卡尔?伊坎(Carl Icahn),他们游说改变苹果的经营和财务管理方式。伊坎施压要求苹果筹集巨额债务,向股东返还1500亿美元,并敦促苹果发布包括电视机在内的更多产品。

United States emissions had been declining because of increased burning of natural gas in power generation, which emits less carbon dioxide for each unit of energy than does coal. But the nation reported an increase in 2013 as coal regained some market share. If that trend continues, it could prove to be a challenge for the Obama administration as it seeks to institute tighter policies on greenhouse gases.
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Recipient: President-elect Donald Trump and Hilary Clinton (joint winners)
胡润估计,如果此举获得成功,王健林的净财富可能会猛增至逾500亿美元,令他跻身世界前十大富豪之列。

A woman's portrait has not been printed on U.S. paper money since 1896, when Martha Washington, the wife of the first U.S. president, was shown on a one dollar silver certificate.
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Online sales contributed 82.6 percent of sales. Online sales have prompted traditional stores, including 13 of Beijing's 77 "time-honored brands" from snack stores to shoes sellers, to move their goods online.

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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1.It wasn’t me! – Because some things just aren’t worth taking credit for。

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.

Age: 33
n. 利益,津贴,保险金,义卖,义演
在全国商务工作会议上,高部长表示,至2015年底,“十二五”规划主要目标胜利完成,中国成为真正的贸易巨头。
域名注册公司GoDaddy的总部设在亚利桑那州斯科茨代尔市,该公司5月份在坦佩开工建设新的全球技术中心。GoDaddy公司已经在大凤凰城地区雇佣了2,600名员工,新工厂预计将增加300多个工作岗位。其他在亚利桑那州扩大规模的公司包括领先的技术保障服务公司 Asurion。这家公司在凤凰城开设了新的技术支持中心,将在今年年底招聘500多个职位。能源供应商Direct Energy今年在亚利桑那州坦佩开设了新的呼叫中心,需要招聘300多名员工。

It is a timely warning. His findings, he writes, “point to a heightened risk of emerging market crises in the coming years as the Fed continues to normalise interest rates”.
2010年中国的房价将达到顶点?
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Additional reporting by Tom Hancock in Shanghai
“In the drama, romance is the protagonist’s only pursuit. It seems that the meaning of her life is to have a romantic relationship with a Prince Charming. No, not only one, but three or four,” Douban user Jiuyuehuashang said.

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Index: 94.2

Suspecting that the water had been mixed with something harmful, Tang reported the incident to the class monitor and teachers.
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More than 100 countries are ranked according to 82 indicators of innovation, which is critical to driving growth in a competitive globalised world, said "The Global Innovation Index 2016". China's move up from 29th last year marks the first time a middle-income country has joined the top 25.
Yunge from the Desert is based on an online novel with the same title by Tong Hua. It is about love triangle of a girl named Yunge, a nobleman, and the emperor in the Han (206BC-220AD). Nearly premiering in the same month as Nirvana in Fire, Yunge was much outflanked by the latter. It was criticized for its poor knowledge of history. To some audiences, charming Angela Baby herself became the only appeal of the adaptation.

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.

Kim, it's so simple and entry-level Finishing School stuff: keep knees and ankles together and swivel.
双语介绍《喜羊羊与灰太狼》
7. Love is like two people holding two ends of a rubber band: it’s always the one who doesn’t let go who gets hurt more.

A New Year greeting to cheer you, my good friend.希望新年祝福给你带来欢乐,我的好朋友。
声明中说:“我们真诚地向《月光男孩》剧组、《爱乐之城》剧组、沃伦?比蒂、费?唐纳薇和奥斯卡颁奖礼观众致歉,因为在宣布最佳影片环节中我们出了纰漏。”
美国在2014年的新增工作岗位被设定为300万个—这是自1999年以来最大的增加量。新增工作岗位的增加预计在2015年将会对得到持续,这将确保消费者支出得到持续的动力;同时汽油价格的下降也将为家庭支出节省额外的开支用以购买其他的商品和服务。详见:汽油价格在2014年下降美国将会节省140亿美元开支。
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The new numbers, reported by a tracking initiative called the Global Carbon Project and published in the journal Nature Geoscience, came on the eve of a United Nations summit meeting meant to harness fresh political ambition in tackling climate change. Scientists said the figures showed that vastly greater efforts would be needed to get long-term global warming within tolerable limits.

Best film and best director. Surprisingly, Nolan has never received a directing nomination from the Academy.
另外上榜的有Pink,勒布朗詹姆斯,赛琳娜戈麦斯,伊恩萨默海尔德,Jay-Z和碧昂丝夫妇,本阿弗莱克等明星。
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节目28 歌曲《留声2012》①《滴答》(表演者:侃侃、李晨)②《我的歌声里》(表演者:曲婉婷、杜淳)

Also important to EMBA entrepreneurs was the support of their school and alumni network. About three-quarters of entrepreneurs thought that both the school and their alumni network were helpful or very helpful when setting up their company. “Alumni support was key to getting the idea vetted and getting the right contacts needed for the business”, said one.
Sa?d Business School achieved the biggest rise at the top of the open ranking, jumping five places to fourth. It is the first time that the school, based at the University of Oxford, is ranked in the top five. Sa?d improved its position in all 10 criteria informed by the participants’ ratings.

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

Nigel Farage, former leader of the UK Independence party, has not advanced so far because it has proved harder to capture the UK’s party-based institutions than it is the US presidency.
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But that hasn't stopped scientists from growing actual human brains in a lab. Starting with nothing but stem cells, scientists in Austria this year managed to create brains equivalent to those in nine-week-old fetuses. These miniature brains are the size of peas and are incapable of thought—so far. The one thing keeping the brains from growing beyond this stage and becoming fully functional is that they have no blood supply.
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《体育画报》泳装专刊模特凯特·阿普顿位于2015全球美女榜第八。这位时尚名模去年曾是本榜单亚军。今年她也入选了《人物》杂志最性感女性榜单。

对专业投资者而言,2014年最令人沮丧的一点是,美国经济复苏时断时续。2014年1月,经济领域捷报频传。然而,在短短几周内,一场暴风雪席卷全美,各种经济数据似乎也因此停摆。
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不管使用什么样的固有动力方式,所有这些引擎都利用最新的发动机技术,从而使性能和燃料经济最大化,其范围包括从福特嘉年华(Fiesta)的小型、高效1.0升涡轮增压三缸发动机到雪佛兰科尔维特Stingray已经被证明无可替代的巨大6.2升V8引擎。我们在本文的幻灯片里列出了《沃兹汽车》十大最佳引擎。