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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.

2.德语:增长了22.2%
《风骚律师》(Better Call Saul),AMC,2月8日播出。这是文斯·吉里根(Vice Gilligan)与彼得·古尔德(Peter Gould)的《绝命毒师》的衍生剧,或许是今年冬天最受期待的新剧了。鲍勃·奥登科克(Bob Odenkirk)饰演狡猾的律师索尔·古德曼(Saul Goodman),剧情设定在《绝命毒师》的故事发生之前,所以布莱恩·克莱斯顿(Bryan Cranston)或亚伦·保罗(Aaron Paul)至多只是客串出演而已。但观众们最喜欢的乔纳森·班克斯(Jonathan Banks)将在里面重现他在《绝命毒师》中的角色——冷静的行动执行者迈克·厄尔曼特劳特(Mike Ehrmantraut)。

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

Were you late to work yesterday because you couldn't remember where you put your car keys? Did you completely forget about a coffee date last week with a friend and only remember when you got a text asking, "where are you?" Can you no longer remember the name of your favorite elementary school teacher? Memory problems impact just about everyone to a certain degree, but science suggests you might be able to improve your memory, as well as reduce the likelihood of Alzheimer's and dementia, by engaging in certain activities, eating specific foods, and using certain mnemonic devices.

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 data measure how successful alumni have been in their career in terms of salary, seniority and achievements since graduating.

Late last year, the World Health Organization declared that Zika virus was no longer a global emergency. But the disease’s effects on babies who may live for decades are only beginning to be understood. In northeastern Brazil, where links between the virus and birth defects like microcephaly were first detected, families struggle to give the best lives possible to stricken babies. Researchers hope to find clues about the virus’s effects on the fetus by studying pairs of twins in Brazil in which one was born with birth defects and the other was not.
艾米莉·拉塔基科斯基想(在红毯秀上)抢镜头,她选择了一件经典的舞会礼服,礼服上编织着非常别致的花纹。这位出演了《我们是你的朋友》这部影片的女演员选择了一件黑色半透明且有着精致的透空图案的礼服来展示自己举世闻名的身材。
Astronomers confirmed a key part of Einstein’s general theory of relativity in 2016 when they announced that the LIGO array had detected gravitational waves released by the collision of two black holes. The researchers won a Nobel Prize for the discovery. But they’re not done: In October, scientists announced the finding of two dead stars colliding — not only hearing the ripples in space-time they made, but confirming the event visually with powerful telescopes. Collisions of neutron stars are believed to be the source of all heavy metals in the universe, including gold and silver, and the detection by LIGO helps verify accepted explanations of how the chemistry of the universe formed.
雷军表示:“这是一个使我震惊的消息。作为一名围棋的忠实爱好者,我从来没有想到人工智能在当前阶段可以击败一个人类冠军,因为这是一项非常复杂的棋类运动。”
11月份以美元计算的中国出口和进口额都增加了,此前它们经历了两个月的收缩,而且这一增长是在上月美国总统选举后美元升值背景下实现的。
Although foreign trade accounts for a greater share of the economy than ever, the United States is still more insulated than virtually every major competitor in Europe and Asia. Such everyday purchases as haircuts, dry cleaning, financial advice and eating out are virtually immune from foreign competition.

9.你会一直回避你的老板。
大学的工作人员表示这封信已经伴随学校的意见T恤一起送往Siddeeq先生了。
蓝天和空气一样,对每个人都是平等的。
例如比利时,它的人口不到小组赛对手俄罗斯的1/10,但被认为是一个巨大的威胁。而乌拉圭尽管人口还不到400万——仅仅是大圣保罗人口的1/6——却是巴西在通往决赛之路上最不想碰到的球队之一。为何如此呢?

'People in the community are affected by what I write, ' he says.
If all this comes to pass, Huberty estimates that Apple's addressable smartphone market in China, which had dwindled to 10%, could triple to nearly 30%.
Despite the seemingly extensive target vetting on May 7 the Chinese embassy in Belgrade was struck by five Joint Directed Attack Munition satellite-guided bombs delivered by U.S. Air Force B-2 Spirit bombers. Three Chinese journalists—Shao Yunhuan of Xinhua and Xu Xinghu and his wife Zhu Ying of the Guangming Daily—were killed in the attack. Twenty other Chinese nationals were injured five seriously.
如果Lloyd Grossman有机会进入奥斯卡得主们的家中,他将会在很多不同的地方看到他们各自的小金人,从高级房产的壁炉台到积尘良久的壁橱深处,都可能看到它的身影。

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

Stanford Graduate School of Business in California rises from fifth place in 2016 to second, a position it last held in 2014. The Wharton School of the University of Pennsylvania is in third place.
凯文·史派西、摩根·弗里曼这样的明星也难逃一劫,被指控性侵演员,积极的网友在网上用标签分享各自的心路历程。

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.

We will ensure that foreign trade continues to pick up and register steady growth.
韩国全州——在全州的韩屋村,仍保留着几百座传统的韩式房屋。
2、冷静自若。007总是很平静。(对男女来说都有用)。即便是在死到临头的时候,也很冷静。这就是性感啊。邦德从不慌张失措。你没见过邦德腿发软手发抖吧。他讲话时语速慢而谨慎,从不乱阵脚。这些都是极富魅力的品质,遭遇劲敌面不改色-这很容易让女人心动不已。他从不向女人表白个不停,就让她们猜不透,搞不懂,这样更加有吸引力。邦德不常微笑也为他的性感加分,因为有幸福感的男人吸引不了女人。007的肢体语言很强势,阳刚血性,从不畏惧;007从不喋喋不休,让他更加优雅;007从不懒散,挺拔的体姿不仅增加自信心,还有力量感,看起来更强壮(身着燕尾服与恶棍搏斗看起来更有档次)。
"This is a hard one for people to understand how they're doing it, but it's an easy one for managers to pick up," Kay says. In many cases, you're disengaged, or as Kay describes it: "not being totally mentally present." Maybe you used to chime in a lot during meetings, and now you're quiet. Maybe you're not producing as much as you used to. Maybe you're not excited about a new project you've been asked to manage。

Norway, which has twice rejected European Union membership, ranks No. 10 overall. The country takes the No. 1 spot in Citizenship and the No. 2 spot in Most Transparent.
This post is in partnership with Time. The article below was originally published at Time.com
predecessor

要想2014年像美国人所期望的那样由经济复苏贯穿整个年度,全球经济前景必须保持相对稳定的局面。
n. 蛋白质

在主要贸易伙伴中,以美元计的出口确实出现增长的包括对美国的出口,同比增长5.5%,达到370.6亿美元。而对韩国的出口也显示增长8.3%至102亿美元。
The below are 5 companies that stand out from the rest and are startups to watch in 2014.
《琅琊榜》的意外爆红让这部戏成为2015年秋季档电视剧中的翘楚。同样改编自网络小说(海晏著)的《琅琊榜》2015年9月首播。该剧由胡歌、刘涛等人主演,讲诉了才冠绝伦的谋士梅长苏为昭雪多年冤案进行的一系列斗争。虚构的人物和朝代让改编剧集巧妙地躲过了历史准确性上的责难。它精美的场景布置和无懈可击的故事情节受到了广大观众的一致好评。

《大城小妞》(Broad City),Comedy Central,1月14日播出。伊拉纳·格雷泽(Ilana Glazer)与艾比·雅克布逊(Abbi Jacobson)带着第二季回归了,它讽刺了纽约那些大材小用而又自恋的人们生活中的故作姿态、妥协与纯粹粗俗。
However, the figures suggest that the pace of Chinese investment in western economies may be slowing.
adj. 有才能的,有天赋的
读:奔腾。奔腾的特长就是永远有一颗奔腾的芯。

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.

On the long voyage to World Cup triumph, Belgium and Uruguay are two icebergs that the favorites would rather avoid. Both nations, despite being underdogs in this year's tournament, have the ability and the nous to upset their bigger and brasher rivals. Yet it's remarkable, given their small size and history as geopolitical doormats, that they remain competitive at all.
"You're part of the past, but now you're the future," Lana Del Rey sings on Lust for Life's opening track, "Love".
肯尼迪中心为她的善举给她颁发了希望的波澜奖(the Ripple of Hope Award),泰勒也成为此奖项的最年轻获得者。

人们可能会认为,由于课程的灵活性,与全日制项目相比,在线MBA项目将更吸引女性。然而,2016年英国《金融时报》在线MBA排行榜的数据显示,女性占总学员数量的30%。在全日制项目中,女学员占到了35%。
数据显示,在欧洲外的最受游客欢迎20大目的地中,游客的消费主要用于购物,而非就餐。尽管其中很多是世界著名的美食之都。
over $50,000 category, pickups and SUVs distributed through non-premium dealers outsell German luxury brands.
英国演员丹尼尔卡卢亚扮演的克里斯华盛顿卷入到一个美国小镇的邪恶阴谋中。
截至德葡之战,本届世界杯已经结束了12场比赛,场均进球3.42个。预计尼日利亚对阵伊朗的比赛进球数将拉低这个统计,不过,只要本场比赛或随后的美加之战能够斩获至少一球,世界杯就会迎来场均进球三粒的第六天。历史上,平均达到如此进球数的还要追溯到1958年瑞典世界杯,也是贝利横空出世的一届。其中,12支球队在仅仅35场比赛中,场均进球3.6个。

黑莓在周三下午的一份声明中表示:“黑莓尚未与三星进行过任何潜在的收购谈判。黑莓的方针是不对谣言和揣测加以评论,因此我们也不会对此做出进一步说明。”
让爱情多姿多彩:荷兰培育出彩虹玫瑰(图)
8. 2012年搞笑诺贝尔奖之流体力学奖
8) Let Me Think About That: Yeah, it sounds like a cop out. And it is…sometimes. Fact is, we don’t always have the authority or expertise to make decisions. This phrase buys you time and breathing space. Then, set a date and time for follow up so the other person knows you’re taking him serious.

Back in the movie wasteland of last January, no one could have guessed what a bounty of good films the year would bring. Not just good films, but several that measure up to our idealized notions of what the medium once was. Two candidates for the top of the heap pretty much chose themselves. For sheer entertainment, the clear call is 'American Hustle,' David O. Russell's joyous celebration of 1970s-era con artists and their intricate cons. For innovation-a new theatrical experience born of new technology-'Gravity' whirls in its own orbit. With the understanding that there's nothing to be said against 'American Hustle,' and everything to recommend this screwball comedy for the ages, I think 'Gravity' is the best movie of the year.
今年1月份CPI同比上涨1.8%,去年12月同比上涨为1.6%。不过该指数仍落后于北京方面“3%左右”的目标。

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

supervision
Wearing a black leotard and curled hairpiece, beauty queen Bobbi Boyden shakes her hips and blows kisses to the audience as part of her routine.
n. 游艇,快艇 vi. 驾快艇
3、全面放开二孩政策

葡萄牙的成就说明这种转变是可行的,它为各国政府和能源公司提供了一个实实在在的范例,也告诉他们为什么现在应该投资太阳能、风能、波浪能和其他可再生技术。
Chinese billionaire Wang Jianlin, whose company owns AMC Theaters climbed into the top 20.

007系列电影主题曲第十名:雪莉·巴赛--《永远的钻石》
5.E-Cigarettes
我们不希望看到打贸易战,贸易战带不来贸易公平,而且双方都受损。
Graduates of Tsinghua University make more money, on average, than those from any other college in China, results of a recent survey showed.
在屏幕前对女主人公大喊“不要在深夜独自下楼”,不再是徒劳无用的了。在这款互动式惊悚游戏中,玩家可以控制游戏人物的行动。游戏的剧情由电影制片人拉里o法森顿和格拉哈姆o雷兹尼克与游戏开发商Supermassive Games精心打造。故事中,八位好友被困在遥远的山区度假村,还有一名不受限制的精神病人。游戏群星云集,其中包含《神盾局特工》(Agents of S.H.I.E.L.D)的演员布雷特o道顿,美剧《纳什维尔》(Nashville)的演员海顿o潘妮蒂尔和《极品飞车》(Need for Speed)的演员拉米o马雷克。玩家将控制各个角色探索这个恐怖的世界,试图在黎明到来时存活下来。没有人是安全的。在游戏中,每一个决定都会导致不同的结果。游戏剧本长达一千余页,拥有数百个不同结局等待玩家发掘。蝴蝶效应使得游戏不会有相同的剧情,而唯一不变的是,这款游戏十分惊悚。不要独自一人或是在深夜里尝试它。