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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.

Blondie, 'Pollinator'
2.管理自己,对他人负责

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

你有翻白眼的习惯吗?握手时有气无力?不爱进行眼神交流?这些可谓是职业杀手。人们必须意识到行动大于言语,大部分的沟通是通过非语言暗示完成的。你的一些非语言习惯可能会被认为是不礼貌的,不专业的—而这些最终会严重影响你的职业发展。

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

adj. 全部的,全体的,一切在内的

近几年,得益于世界日新月异,就像保护异性夫妻一样, LGBT群体(女同性恋、男同性恋、双性恋、跨性别人士)也会得到同样的权利保障。事实上,如今60%的美国人承认同性婚姻的合法性,如果你问那剩余的40%呢?我们可以告诉你美国的其他地方以及世界的其他地方,例如俄罗斯,很快都会赶上脚步。
有趣的是,一项调查发现,31.8%的受访者认为北京是中国最拥堵的城市,而8.8%的人则认为郑州是中国最拥堵的城市。
“如果我们能找到在两个地方都购物的人,那就非常有价值。你知道他们是谁,他们买什么,他们哪些方面花钱,”哈勃补充说。“你可以给他们更加个人化的体验。”
单词urban 联想记忆:
Finding the skill sets and attitudes that support the culture of the brand you want to promote will foster innovation and enhance your reputation. Include folks from outside the company for the people you rely on. That will start a free marketing chain reaction that can build confidence and revenue.
It grows naturally into the mold's shape.

Ashley Graham, 30, is the first ever curve model to make the highest-paid list, coming in at 10th place after banking $5.5 million from her lingerie and swimsuit lines contracts.
Three leading energy agencies recently said production from outside the Organization of the Petroleum Exporting Countries would increase this year, much of it from U.S. shale. Added to that is the possible return to market of millions of Middle East barrels as Iran, Iraq and Libya potentially ramp up production. All of that is set to press on prices.
这就真相了,我同意。
A cemetery dating back roughly 1,700 yearshas been discovered along part of the Silk Road, a series of ancient trade routes that once connected China to the Roman Empire.

麦高恩早年的成功依靠于发行独立电影,当时她在酒店房间遇到哈维·韦恩斯坦,就是在那间房里遭受了性侵。
Local farmers must love this wireless company as much as its employees do. Once a week, San Diego-based Qualcomm hosts a farmers market at two of its locations. Items sold range from traditional produce to jams and jellies. Employees with CSA veggie box subscriptions can pick up their produce packages at one of the HQ's cafés.
汉森表示,美国原油增产意味着现货油价对地缘政治事件的反应不如以往那样大了。他说,目前的原油供应足够多,油价受威胁的程度不如以往,2014年将是首个出现一段时间原油供应增量超过需求增量的年头。
4、《美国队长3:内战》

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

In an industry enthralled to rehashed stories that strike a familiar chord with audiences, give Pixar credit for often trying something new and pushing their viewers into uncharted territories. Coco, directed by Toy Story 3’s Lee Unkrich, has a visual look based around Mexico’s Dia de los Muertos (Day of the Dead). It’s about a young boy named Miguel who idolises legendary guitar player Ernesto de la Cruz and wants to learn how to play as well as he could. So he goes on a transformative odyssey of self-discovery into the realm of the dead to find his long-deceased idol and learn some lessons about the nature of creativity and originality. Whether it can reach the heights of Pixar’s 2015 masterpiece Inside Out remains to be seen, but Coco should surely be a feast for the eyes. Released November 15 in France, November 22 in the US, Croatia and the Philippines, and November 30 in Israel. (Credit: Disney-Pixar)
Gross shifts, makes no sense: Just four months ago he warned the Fed is blowing a Credit Supernova, a new monetary bubble that would implode Bernanke's arrogant risky experiment putting America's future at great risk by bankrolling a Wall Street Ponzi Scheme and blowing a huge financial bubble.

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.

《自己土地上的陌生人: 美国右翼的愤怒与哀悼》(Strangers in Their Own Land: Anger and Mourning on the American Right)一书的作者阿莉?罗素?霍克希尔德(Arlie Russell Hochschild)对路易斯安那州的农村社区进行了四年的研究,她认为那里“深藏着”一种失去机会的感觉。
7.Yes, John was with me last night. – Because that’s what friends do… we agree and ask questions later。
"The Chinese government, universities and investors have provided a friendly environment for young startups. However, the failure rate of fresh graduates founding startups is still too high due to the lack of experience, resources and networking," said Wang Yixin, a senior consultant at Zhaopin.
愿你的新年光彩夺目,愿你的新年灿烂辉煌!佳节快乐!

5、低效的邮件沟通
成千上万在外求学的人或者在外工作的人都会在春节临近时回家团圆。这个传统是造成春运压力的主要原因。另外一个原因就是春节正好是中国两大黄金周之一,是许多人旅游的好时机。春运一般从节前15天开始到节后25天结束。
Five programmes feature in the pre-experience ranking for the first time. The highest new entrant is Lee Kong Chian School of Business at Singapore Management University. The school came second in terms of the international mobility of its graduates, and is the first school to feature in both pre-experience and post-experience rankings.

Yes. With the US Federal Reserve likely to raise interest rates a few times in 2018, trading is likely to be choppy in emerging markets. Sometimes it may feel a bit like a rerun of the 2013 “taper tantrum”. However, average GDP growth will rise to 5 per cent, up from a forecast 4.7 per cent this year. This will mostly be because Russia and Brazil, which have stumbled, will bounce back.
['k?l?nd?]

妮妮·切利(Neneh Cherry),《空白计划》(Blank Project), Smalltown Supersound
普斯·格洛(Pussy Galore)在本书中回归,这也是首次有邦女郎在邦德身边昙花一现后,拥有了自己的故事线。
Lighting is key when it comes to getting work done. Instead of investing in your typical, boring college dorm room desk lamp, pick something with a prettier design. Check out vintage stores for one-of-a-kind table lamps or keep it cheap with the Tiffany Table Lamp, $99.99, at Target.com.

n. 初次登场,首次露面 v. 初次登场
Musical theatre actors, Callabro united to become a truly talented vocal group who have gone from strength to strength.
8、苹果发布会
10月份,日本工业产出环比增长1.4%,是自1月份出现4.1%的增幅以来增长最快的一次。这一数字高于9月份1.1%的增幅,不过仍低于经济学家1.8%的增长预期。

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.

根据中国海关总署(General Administration of Customs)发布的数据,12月份以美元计的出口额同比减少6.1%至2094.2亿美元。这一跌幅比经济学家预期的中数多了2.1个百分点,也大于11月份修正后1.6%的跌幅(修正前该数字为增长0.1%)。
But he told Washington's Observer-Reporter paper that he was keen to read it as it was "a testament of the sincerity, interest and innocence of that time".
The Chinese-made 3D fantasy/adventure film "Monster Hunt" broke a string of box-office records on its release in the country in July 2015, becoming the highest grossing film of the year in the Chinese mainland.

Analysts say headline import figures may start to improve in the coming months since commodity price falls were particularly pronounced at the end of 2014, which will mean smaller year-on-year falls in Chinese imports in value terms.
Until Dawn
8. A lovely flower doesn’t belong to the one who appreciates it, but to the dunghill it grows on. (“To stick a lovely flower in the dunghill” is a popular Chinese saying, normally used to describe the common social phenomenon of a pretty girl marrying an ugly but rich guy).
HSBC economist Hongbin Qu said the survey pointed to lost momentum in China's manufacturing sector: He expects Beijing to respond with measures to counteract the slowdown.
近些年来,细菌感染卷土重来,受害者达到了自1960s以来从所未见的最高值,初步确诊者的人数从429跃升至1300多人,从2011年到2017年期间的感染人数翻了两倍不止。

9. The brain literally starts eating itself when it doesn't get enough sleep. Chronic sleep deprivation causes the 'clearing' process that usually happens when we sleep to kick into hyperdrive, prompting the brain to clear a huge amount of neurons and synaptic connections away.
7. Pumping Iron Could Enhance Long-Term Memory
Researchers at Google discovered that security questions as a standalone method for recovering access to accounts is not an efficient model.
n. 前进,航行速度,进展,(前后两车间的)车间时距

的确,价格不是一切。但即使是看空者也同意:一切都有价格。
China's National Bureau of Statistics said its property prices index for November showed that new home prices fell 3.7 per cent from a year ago, the third straight annual decline following readings of -2.6 per cent in October and -1.3 per cent in September.

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

又或者,今年是一群有跟虐待、性或其他有关的故事要讲的女性。她们其中几个人在我们的页面上分享了“我也是”(#MeToo)的经历。卡洛塔·加尔(Carlotta Gall)讲述了汉达·阿亚里(Henda Ayari)的故事。后者是一名拥有北非血统的法国公民,也是一名反萨拉菲派活动人士。她指控牛津大学某知名教授强奸了她。
“失业”是金融类最热门的搜索项,其次是“华尔街公司”和“产品召回”。
Martin Wolf
日前,斯坦福大学商学院(Stanford Graduate School of Business)教授彼得o库迪斯基于这场荷兰危机共同撰写了一篇文章,围绕“个人经验(而非市场信息)决定乐观、悲观以及信贷的获得与否”这种不那么科学的方法给出了现代经验。

两次发生在洛杉矶的反抗时间之旅。两次对女人之间时而棘手的团结的赞颂。四位演员的精彩表演,来自吉塔娜·基基·罗德里格斯(Kitana Kiki Rodriguez)、米娅·泰勒(Mya Taylor)、茱莉亚·加纳,以及了不起的莉莉·汤姆林。《与外婆同行》是制片公司资深导演的作品,《橘色》是用iPhone手机拍摄。任何哀悼电影已死的人,都应该闭上嘴巴,看看这两部影片。
History will look back on 2012 as the year when China anointed its "fifth generation" of leaders and shifted to a slower growth trajectory, writes Yukon Huang. This transition will take place against a backdrop of daunting internal challenges — increasing social unrest, widening income disparities and both ecological and man-made disasters — and of escalating external tensions, stemming from America's "pivot" to Asia and simmering regional worries about China's economic rise.

Star risers
欧洲工商管理学院的出类拔萃不仅表现在一年期MBA课程上,还体现于强大的国际文化(基于两个校区)以及覆盖面最广和最多样化的校友网络之一。该课程在校友国际流动性指标上排名第三,在国际课程体验指标上排名第六。
据国际足联秘书长杰罗姆·瓦尔克说,贝老爷子的1950年版门票将在苏黎世的一家博物馆展出,展览定于2015年开放。他还说:“这版球票很稀有,我们希望博物馆能够珍藏。”
斯蒂芬?韦格斯蒂尔(Stefan Wagstyl)柏林补充报道
Making Airbnb go away might not be so easy. A recent Quinnipiac poll found that 56 percent of the responders thought New Yorkers should be allowed to rent rooms out to strangers. “We don’t want to turn into hotels, but at the same time people want to rent out their apartments sometimes,” said Paul R. Gottsegen, the president of Halstead Management Company, which manages 250 residential properties in the city.