What Is a Finance Charge, and How Do I Avoid Paying One?
If you're savvy, you can avoid credit card finance charges entirely.
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.
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
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.
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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
n. 能力，容量，容积; 资格，职位
那么，当你看到17岁的尼克?达洛伊西奥(Nick D’Aloisio)意气风发地走进伦敦巴尔?布鲁(Bar Boulud)餐厅，与人坚定地握着手，描绘他未来事业蓝图的时候，你应该会惊讶得合不拢嘴了吧。他就像是个来自硅谷的首席执行长(CEO)，应对媒体时从容不迫，技巧上可以打97的高分。聊天时，他眼神坚定地注视着你，从诺姆?乔姆斯基(Noam Chomsky)的理论、神经网络科学，到移民心态乃至佛教瑜伽，他一切话题都能自信地畅所欲言。但他又像是个One Direction男孩组合的成员，修长的身材配着嬉皮T恤和修身小西装，头发凌乱地搭在脑门前，一边咬着吉士汉堡，一边发表着让人瞠目结舌的见解。
Former Disney star-turned-wild child singer Miley Cyrus followed as the number two 'celeb gone good', according to the website. Father-to-be Channing Tatum came in third.
法国兴业银行(Societe Generale)国际策略师基特?朱克斯(Kit Juckes)说，过去30年破灭的三个世界级金融大泡沫背后，都是“美联储(Fed)太久时间将政策利率维持在名义经济增长率之下”。
But even in a bad economy some jobs are just not worth it. Are there any telltale signs you should be looking for when trying to decide if you throw in the towel? Here are ten signs to look for to determine if it's time to find a new job:
其他数个政党的支持率只是略低于上述两党，包括持中间立场的自由派政党民主66 (D66)、基督教民主联盟(Christian Democratic Appeal)和左翼的绿色左翼党(GreenLeft)。
The retail side, she says, “is nascent and a mixed bag”. All countries in the region have a lot of work to do, she says, adding the Australian example has proven that regulatory changes can make a significant difference to generating pockets of interest.
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
Premiered in August, the 48-episode TV series is a fictional story, with a plot centering on struggles and romance during the Qin Dynasty (221-206 BC).
But top managers at companies in the fields of scientific research and technology services saw their pay decrease by 4.2%.
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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“It suggests that people put more weight on what happened to themselves and less weight on other information that might be available,”Koudijs says. The more personally removed people are from an important event, the less it is to affect their appetite for risk.
Here are our top 10expectations for China in 2014:
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The US and UK’s losses will be Germany, Sweden and Canada’s gain, as founders set up in the cosmopolitan hubs of Berlin, Stockholm and To
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.
Four factors should fuel the jobs recovery in 2013:[qh]
I am here to speak on behalf of the starving children around the world whose cries go unheard. 我演讲是为了世界所有忍受饥饿的儿童，而他们的哭泣却无人听见。
《法律与秩序：特殊受害者》(Law & Order: SVU)：NBC频道的这部电视剧上一季中的危机仿佛是从肥皂剧中搬来，发生了各种大事，奥利维亚（Olivia，玛莉丝卡·哈吉塔[(Mariska Hargitay]饰）经历了许多危险——喜欢跟踪的变态强奸犯，折磨人的婚外恋，新生婴儿，现在这一切终于平息下来。在今年的第16季中，侦探们回到了重要的性犯罪上，其中一集的灵感来自雷·赖斯(Ray Rice)，讲述的是从监控录像中看到一个著名体育广播员殴打自己的妻子。
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.
The company is hardly alone in its efforts to woo talent of a different sort. Earlier this year Intel announced a collaboration with the Council of Fashion Designers of America, or CFDA, kicking off a partnership with the high-concept retailer Opening Ceremony to design its smart bracelet. Tory Burch partnered with Fitbit to design pendants and bracelets akin to the Shine Tracker by Misfit Wearables. And Apple AAPL -1.03% has tapped a diverse group of people, including former Burberry chief executive Angela Ahrendts (to lead its retail efforts), former Yves Saint Laurent CEO Paul Deneve, and former Nike NKE -0.71% design director Ben Shaffer.
其他人将想方设法利用技术来帮助人们减少上网时间。谷歌(Google)前雇员特里斯坦哈里斯(Tristan Harris)发起的“时光莫虚度”(Time Well Spent)运动正在吸引人气，该运动鼓励设计者理解他们所控制的微妙的心理力量，以解决其所称的“数字注意力危机”。据Recode报道，曾经在Pinterest和Facebook工作的蒂姆肯德尔(Tim Kendall)，计划成立一家专注于对抗设备上瘾的初创公司。
The runner-up was Lucy Kay, with Bars and Melody in third place.
Complying with the law may prove challenging, even if improvements ultimately reduce long-term costs. In addition, 2015 is the deadline for buildings to convert from No. 6 heating oil to No. 4 oil, which is less polluting.
Don't Make Yourself Too Comfortable
However, the figures suggest that the pace of Chinese investment in western economies may be slowing.
节目35 歌曲《美丽中国》，沙宝亮 徐千雅
Hopefully the experts come up with a better plan than one that fell flat earlier this year. The country's tourism body unveiled a 'Beautiful China' logo in February to market the country overseas, but the campaign was mocked for its contrast with the many photos of China's not-so-beautiful cities shrouded in pollution.
6. Charlize Theron - $16.5 million
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The appointment of Inga Beale to run Lloyds of London and of Mary Barra to run General Motors marked an encouraging end to 2013. Progress for women in the coming year will continue to be too little and too slow, but you should expect to see women in positions of power and influence everywhere. Even Japan is starting to try to get women into work.
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
●"Florida man dies in meth-lab explosion after lighting farts on fire"
The Caixin-sponsored composite PMI for November came in at 50.5, the first time it had broken through the 50-mark separating contraction from expansion since July.
除了编程和写作业，达洛伊西奥开始抽时间来阅读自然语言处理(natural language processing)方面的文章。他还学习了拉丁文和中文，并且对语言学理念产生了浓厚的兴趣，例如语法框架、语素解析，以及上世纪60年代语言学家理查德?蒙塔古(Richard Montague) 的理论。达洛伊西奥热情地说道，他是我最喜欢的语言学家，根据他的理论，自然语言可以被视作遵照一定句法写出的编程语言。
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China's Internet celebrities are estimated to create a whopping 58 billion yuan ($8.7 billion) market in 2016, far surpassing the 44 billion yuan in box office sales generated last year, according to an industry report.
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