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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.

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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

THE EFFECT OF RAPID CHANGE

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Social networking platforms, including Weibo and mobile app WeChat, proved to be the best tools for cyberstars to magnify the power of communication, making it possible to create an industry that combines advertisements, e-commerce and fans.
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5)我支持你:我们都犯过大错误。此时,不要回避,要对对方说一些肯定的话语:“我不是在说你不行。你会度过这个难关的。你不是一个人在战斗。我们将一起解决此事。一切都会没事的。”

BEST THROWING TOYS OUT OF PRAM
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n. 改革,改良

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。
Spending on medicines in "pharmergingmarkets" will rise more than 50 percent over the next five years, ThePharma Letter said, citing IMS.
年龄:31岁
韩孟杰强调,由于处于性活跃期,容易受到外界的影响,发生不安全的性行为,所以大学生感染的风险还是存在的。

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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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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Financial success and dazzling new technology alone might have been enough to earn Apple’s steely chief executive the FT’s vote as the 2014 Person of the Year, but Mr Cook’s brave exposition of his values also sets him apart.
In the United States, emissions rose 2.9 percent, after declining in recent years.
With most of our favorite shows on or approaching the dreaded holiday hiatus, it's time to reflect on the women that made the fall 2011 TV season so great.

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10月份的读数较9月份回落0.8个百分点,其中主要追踪大型国有企业的生产指数回落1.3个百分点,降至53.4。新订单指数回落1.9个百分点,降至52.9。
Median GMAT: 700

15. An Amazing Coincidence One of the studios with the most on-screen diversity — it released “Trainwreck” and “Straight Outta Compton” (if also “Ted 2”) — and with the most female directors is Universal, which, as of early December, had gobbled up almost 24 percent of the year’s market share.
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《the Post》
去年12月,包括中国商务部、中国央行在内的四个政府部门表示,将收紧对房地产、酒店、影城、娱乐业、体育俱乐部等领域的“非理性”对外投资项目的审查。

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.

Meanwhile, domestic Internet users have formed a mobile payment habit, with the number of users making payments through smartphones skyrocketing to 469 million last year, up by 31.2 percent from the previous year.
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First, the companies that gained the most consumer love ...

As a point of comparison, the combined 29.1 million total from those old master sales was 34 percent less than the 44.2 million Christie’s and Sotheby’s took in at equivalent events five years ago, in December 2011.
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超级大碗
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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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阿姆斯特丹危机始于荷兰Seppenwolde银团对东印度公司的股价做出了巨额的反向下注。这只股票在1771年早已大跌,主要是因为孟加拉的损失。但这家公司靠借钱继续支付高股息,掩盖了问题。Seppenwolde深信东印度股价会很快反弹,基于保证金大举买入该股。但它的股价并未反弹,在东印度公司降低了股息后,股价甚至进一步走低。

事实证明,许多投资者站在了库克这一边。经历了动荡的2013年,苹果股价在这次股东大会后上涨了约50%,一度将苹果市值推至7000亿美元之上。
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