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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.

My grandmother’s favorite poem was Invictus by William Ernest Henley. My father hung a copy of it on our kitchen wall, so I grew up reading it every day: “I am the master of my fate; I am the captain of my soul.” I think the best advice I can give anyone – especially someone just starting out in business – is to embrace your role as master of your own fate. Recognize opportunities when they arise and get comfortable saying “Yes.”
It was all work, work, work for the BBC Culture team and parties, alas, were few and far between. But the rest of Cannes was painting the town red. In 2013 we tried to calculate the amount of champagne consumed at the festival by contacting Piper Heidsieck, “the official drink” of the festival, but they declined to comment – though judging by the merry faces and staggering gaits of some on the Croisette, it's safe to assume a colossal quantity. At the party for Matteo Garrone's Tale of Tales on the first weekend, the champers flowed freely and the revellers stayed on until the early hours. When the BBC's Rebecca Laurence spoke to one of its stars the following morning and asked how many hours sleep he'd had before their interview, he simply narrowed his bleary eyes and held up two fingers.

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

克里斯蒂亚诺·罗纳尔多,这位去年收入6100万英镑的超级足球明星,取代了长期占据榜首的弗洛伊德·梅威瑟,成为了去年收入最高的运动员。小梅瑟威是一名退役拳击手,他最近一年只打了一场拳赛,挣了3000万英镑。

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

Manal al-Sharif

Unfortunately for May, the big drop in the pound since the Brexit vote means her salary has plunged in dollar terms.
Compared with an average age of 45, 52-year-old Jack Ma is the oldest among the top 10 IT tycoons.
这名官员称,米特卜王子已于11月28日获释。米特卜王子在11月初以前一直掌管着颇有实权的国民警卫队。至少还有三名嫌疑犯也完成了和解协议。
People who are skeptical about this argument just need look at smartphones and personal computers, which have served as the technological driving force of the past century.
然而,在毕业3年后,担任部门负责人或以上级别职位的女性(59%)显著少于男性(68%)。
乔斯·威登一直都很喜欢科幻小说,也是西部小说的忠实拥趸。尽管这两种小说类型风马牛不相及,但是从《天使杀手》这部书中,他找到了一种方式,可以把二者融合起来。"我当时想把新垦地的概念好好地演绎一下",他说,"人类文明是由那些被历史深深伤害了的人们推动前行的,而不是那些创造历史的伟人。"这一次,威登决定把新垦地从西部搬到了"宁静号"宇宙飞船上。

Bubloons are a hybrid between bubbles and balloons.
罗杰斯对于中间剧情的反转十分不满,因此在拍完前三季之后决定离开剧组。这样的违约行为使他面临数百万美元的诉讼。但讽刺的是,韦恩·罗杰斯从来没有正式和剧组签订过合同(他涉及道德条款方面的问题)。因此该诉讼请求被驳回。你可能会说在这次的事件中,罗杰斯是笑到最后的人,但自从他离开剧组,《风流医生俏护士》又播出了八季,而罗杰斯在他的演艺生涯中再也没有取得过这样的成就。所以说他是笑到最后的人,也许只是一个相对的说法。
7.Drones
上个月,中国贸易顺差增至4962亿元人民币,高于去年12月的3821亿元人民币。经济学家曾预计该数据将略高于3890亿元人民币。以美元计,该月中国贸易顺差从去年12月的600.9亿美元增至632.9亿美元,也超过了606亿美元的预期。

n. 利益,津贴,保险金,义卖,义演
《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。
HEC Paris and London Business School have tightened their grip on the top of the Financial Times rankings of pre-experience and post-experience Masters in Finance programmes respectively, having dominated the finance rankings since they were first published in 2011.
“一个员工离开时留了张便利贴,上面写着他走人了。”

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

德国总理默克尔的年收入为21.84万欧元(约合24.2万美元)。德国总理的薪水在今年三月初上调2%,并将于明年二月继续上调2%。
Data also showed that the average salary for the top 100 colleges on the rankings increased by 1,818 yuan over last year, up 22.8 percent.

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.

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.
Helu came in fourth in Forbes' 2016 list of 1,810 billionaires, behind Gates, Zara's Amancio Ortega and business mogul Warren Buffett, respectively.
热门行业
Morgan Stanley CEO James Gorman will do an about-face on the bank's 'lower risk' corporate strategy.

柯特妮韦弗(Courtney Weaver)
Girls Trip
科学家周日表示,2013年,全球温室气体排放量增加了2.3%,达到历史新高。这个最新迹象表明,在控制全球变暖方面,国际社会的努力仍远远不够。

n. 元素,成分,组成部分,(复数)恶劣天气
一个由8位《沃兹汽车》编辑组成的专家组在10月和11月评估了所有汽车车型使用的44款引擎,测试时间为日常上下班和周末在底特律都市区及附近进行的活动。各位专家根据多项特征进行打分,包括动力和扭矩、燃料经济、噪音、抖动和声振粗糙度、技术以及这些发动机相对于竞争对手的表现。

社交名媛卡戴珊8月份参加凯莉·詹娜的19岁生日聚会时,笨手笨脚从跑车出来的方式让她不小心走光太多了。
If a child on the street who has nothing, is willing to share, why are we who have everyting still so greedy? 如果一个孩子在自己一无所有的时候都能愿意分享,为什么拥有一切的大人却如此贪婪?
'People in the community are affected by what I write, ' he says.

这句话是唯一来自现实世界而不是网络的。一位政府官员在回答《焦点访谈》记者“天津市每年要偿还公路建设的贷款量有多大”的问题时,回答到“这事儿不能说太细”,网民们觉得这句话很有意思,于是流传甚广。
But many foresee an economic collapse, arguing that a prolonged eurozone crisis coupled with a property bubble could render vast swaths of Chinese industry unprofitable. This would reveal hidden financial vulnerabilities and feed a downward spiral. Others believe that Beijing has ample resources to avoid a crisis, but argue that, with a growth model based on infrastructure and land sales, and with exchange and interest rates rigidly controlled, it may not have all the necessary tools at its disposal.
《维多利亚与阿卜杜勒》
教育部之后表示,他们不会容忍这种欺骗行为,并已经要求公安部门进入进行调查。

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.

A Sicilian Photographer of the Mafia and Her ‘Archive of Blood’
凸起那部分有个“涡卷饰品”——(古埃及碑上)在王和神的名字周围的椭圆形装饰。考古学家在上面发现有眼镜蛇一只眼的符号。
The details of her character are being kept under wraps.

是的,这经常发生。你可以在家里,图书馆,打印店等除了你现在工作的公司办公室的任何地方打印申请材料。
Theresa May is still facing resistance from within her own party. Vince Cable, the Liberal Democrats’ sage and leader, still thinks Brexit may not really happen.
这部20世纪70年代黑色幽默犯罪电影的主角,是诈骗高手欧文·罗森菲尔德和他的情妇西德尼·普鲁塞尔,他们被一名联邦调查局(FBI)干员抓获,然后被迫欺骗腐败的政治家。二人继续与干员、政治家目标以及自己的家人周旋,最终达成豁免协议,得以不受任何刑事指控就脱离苦海。
vt. 忽视,疏忽,忽略
阿方索?卡隆(Alfonso Cuaron)凭藉广受好评的全球热门太空科幻影片《地心引力》(Gravity)赢得最佳导演奖。《地心引力》、《美国骗局》和《为奴十二年》均有可能成为今年奥斯卡奖(Academy Awards)的夺奖热门,本周四将公布今年奥斯卡奖提名名单。(与金球奖不同,奥斯卡奖还设置技术类奖项。)

By contrast, the strengthening of the Brazilian real helped the surge in coffee and sugar prices as the country is the largest producer of both.
中国的科技巨头联想仍是PC市场的老大--占有市场份额的20%以上。惠普和戴尔分别名列第二、第三,苹果和华硕电脑并列第四。
Final predictions: Weak economic growth will continue into 2010. By spring, the Obama White House will be forced to the political center and U.S. businesses will finally believe in a modest recovery.
1. What big brother is eating isn’t noodles, but loneliness.

Luckily, the singles are only half the story with Reputation. On "Dress," she's high on the rush of a new romantic thrill; on "New Year's Day," she's trying to figure out what she has after the party's over.
Benmosche's abrasive morale-building exercise at AIG will take hold. The U.S. pay czar will give Benmosche leeway on pay. And a continuing rebound in the markets will give AIG a shot at repaying a good chunk of taxpayer money.

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

The advantages for schools seem clear: they enjoy the benefits of bright graduates who would otherwise have gone straight into consulting.
高盛将大派红包,饱受各方抨击一个月,然后静悄悄地干回自己的老本行--挣钱。
由美国演员Jared Leto领衔的“火星三十秒”拿到了最佳另类音乐奖,同时还有Lana Del Rey,Lorde,The XX和Imanine Dragons等人提名。
China’s commercial aerospace ambition has long been known, but a few recent milestones are bringing it closer to realization.

请做好准备随时当他的救世主。
娱乐时尚:性感林赛罗韩大"血拼"

两周后,伯恩海默等几十位著名的早期绘画大师作品交易商出席伦敦的夜间拍卖会。过去,他们通常会在这些拍卖会上购买一些作品,以备在第二年3月的荷兰马斯特里赫特欧洲美术博览会(Maastricht European Fine Art Fair)上展示。但是由于卖家们鼓励苏富比和佳士得报出更高的估价来争夺自己的拍品,所以拍卖行只针对少数富豪进行宣传,现场竞价十分冷清。
n. 枝,杆,手杖
科金今年去世不久后,记者卢克? 迪特里希出版了一本书,声称科金掩埋不利发现,撕毁文件,并且用不道德的方式取得了HM的同意。
《Trigger Mortis》于9月8日发行,先于10月26日上映的007新电影《(幽灵党(暂译)》(Spectre)。
Not because I am happy to see the end of what was one of television’s smartest series, a pioneer of what is now generally accepted as the current golden age of small-screen serials.