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.
《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.
Read:春节终于没了智能马桶盖刷屏 厕所革命却未终结 ]
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.
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.
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.
'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.
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.
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.
Read:北京严格落实房产开发企业安全责任 明确六项检查内容 ]
We will ensure that foreign trade continues to pick up and register steady growth.
"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
The below are 5 companies that stand out from the rest and are startups to watch in 2014.
《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.
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。
over $50,000 category, pickups and SUVs distributed through non-premium dealers outsell German luxury brands.
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.
Read:Best Rewards Credit Cards. ]
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.
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
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
Chinese billionaire Wang Jianlin, whose company owns AMC Theaters climbed into the top 20.
Tags: credit cards
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。