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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.

15. An Amazing Coincidence One of the studios with the most on-screen diversity — it released “Trainwreck” and “Straight Outta Compton” (if also “Ted 2”) — and with the most female directors is Universal, which, as of early December, had gobbled up almost 24 percent of the year’s market share.
201001/94005.shtml【英文原文】

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

Going into the debate at Lynn University in Boca Raton, Florida, Obama had an inbuilt advantage on foreign policy and security. As president, with access to daily briefings by intelligence analysts, diplomats and generals, he is better briefed and it showed as he dominated Romney in the first half of the debate.

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

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。

But McGowan has slammed the movement as 'bull****' in today's Sunday Times Magazine, which comes the day after Judge Brett Kavanaugh was sworn in as a Supreme Court justice in the face of historic sexual assault allegations he denies.
Born to royalty in Burma, Olive Yang, who died on July 31, rejected her birthright to become a cross-dressing warlord and opium trafficker.
如果您以前听过这句话,那就当我没说:一家未经考验,没有任何收入的社交媒体公司获得一个令人晕眩的的报价。不顾所有人的建议,那位自命不凡,二十出头的CEO拒绝出售。与此同时,不知从哪儿冒出来的竞争对手突然发起诉讼,言之凿凿地声称他们的创意被窃取了。
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We will strengthen the prevention and control of water and soil pollution.
The clothes had resonance because the characters who wore them were intricate and multidimensional, not just because Joan’s brocade sheath was really glamorous, or Megan’s psychedelic chiffons made Pucci feel cool.

直到最近,Weill Cornell Medical College的科学家们至少在老鼠和猴子身上实现了这一点。这种人造视网膜,它的芯片可以将画面转换为电子信号,而它的微型投影机可以将电子信号转化为投影光线。
Enrollment: NA
v. 加强,变坚固
注册人数:388人

源于:relax(v 放松;休息)
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Total Program Cost: $181,500 in either Philadelphia or San Francisco
6.I’m 29. – Because 29 is like 20 years younger than 30.

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

3. The 2012 Ig Nobel Accoustics Prize
Local-level work experience will advantageous for applicants, with personnel with more than two years of experience at this level given some advantage.

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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《神奇动物在哪里》将于2016年11月18日在全球上映。
But the duo topped the trending celebrities section followed by 'X Factor' judges Gary Barlow and Tulisa.
许多人在学习小组中受益良多。你得有条有理地进行,不能拖延时间。你要将学习的内容彻底消化,并能够向别人复述出来。

We will improve planning for regional development.
But her success doesn't come cheap and her mother has already spent £5,000 on elaborate dresses and entry fees.
给你我无尽的新的祝福,让它们成为我们永恒友谊的新的纪念。

The U.S. has fallen to become Germany's third largest trading partner in 2016.
尽管这些大脑没有进入任何人的身体,但是他们给科学院研究脑科疾病提供了原材料。

要让Airbnb退市,可能没那么容易。最近,昆尼皮亚克大学(Quinnipiac)开展的一项民意调查表明,56%的受访者认为,应该允许纽约人将房间租给陌生人。“我们不想把房子变成旅馆,但是与此同时,人们有时会想把自己的公寓租出去。”霍尔斯特德管理公司(Halstead Management Company)的总裁保罗·R·戈特塞根(Paul R. Gottsegen)说。该公司打理着纽约市250处住宅物业。
标有*符号的奖项已于9月10日到11日举行的艾美奖创新艺术典礼上公布。
Enrollment: 503

Countrywide, month-on-month prices rose in 59 out of 70 cities last month – down from 62 – were unchanged in four and fell in eleven. Cities where prices fell from the previous month included Shenzhen (down 0.3 per cent), Hangzhou (down 0.4 per cent) and Xiamen (down 0.2 per cent).
最差问候奖
“你美丽得如此不真实,我的视线无法从你身上移开”,这爱意满满的歌声使金发女郎笑得合不拢嘴,同时她也拿出手机记录下了这美妙的一刻。
Lopez Short is the name of the game, judging from the red carpet looks of Beyoncé and Jennifer Lopez. Both divas went for thigh-high dresses to show off their gams4, with strategically cut out neck and shoulder detail, but where Beyoncé opted to stand out in fire engine red, J. Lo went for soft and satiny earth tones.

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.

门萨智商测试的参试者必须是超过十岁半的儿童,测试包括两部分独立的行业标准评估。一部分主要测试语言推理能力;而另一部分包含表格和图形,测试视觉和空间逻辑能力。而来自坦姆赛德的妮诗在第一部分卡特尔III B测试中得到了最高的162分,在第二部分的文化能力量表(Culture Fare Scale)中得到了142分,该测试结果使她名列英国智商最高的前1%人群,而门萨测试成绩前2%的参试者都可以成为门萨会员。
The PPI fell 5.3 per cent year-on-year in January, moderating from December’s -5.9 per cent pace. PPI has remained in negative territory since March 2012, reaching a low of -5.9 per cent for the five consecutive months since August 2015.
Wheel skates look somewhat like regular inline skates, except that the wheels are much larger, up to the size of bicycle tires. They are seen as a cross between an inline skate, a ski, and a bike. Recently, a company called Chariot Skates said they had come up with something unique—the Chariot wheel skates. According to the company, wheel skates are "revolutionary new skating products." Revolutionary? They do at least revolve. New? No. The first wheel skate was made more than 142 years ago.

鲁拉卡拉夫(Roula Khalaf)
最差问候奖
“Even though I’m an engineer and an analytical person at heart, the most important decisions I’ve ever made had nothing to do with any of that,” he told an interviewer at Duke University, where he studied for an MBA, last year. “They were always based on intuition.”
受到国家经济全面紧缩的影响,正面临弹劾的巴西总统迪尔玛?罗塞夫在去年十月时年收入下滑至10.34万美元,与之前相比下降10%。
They will get more creative in 2018, including on non-cash benefits. Bank of America, for example, has just introduced a programme allowing employees of the global banking and markets unit to take a sabbatical — on full pay — for up to six weeks in a year. There are conditions: people must have been with the bank for at least a decade, and can request the time once every five years, to a maximum of three. But in a memo circulated this week, seen by the Financial Times, chief operating officer Tom Montag urged eligible employees to consider it.

The drop was even more pronounced measured in US dollars, with exports crashing 11.2 per cent year-on-year last month to $177.48bn. That was from a 1.4 per cent drop in December, and versus expectations for a 1.8 per cent slide. It was the biggest drop since a 15 per cent fall in March last year.
但对于北京来说,若能在特朗普让美国退出TPP后不到一年的时间里达成RCEP协议,将是一场巨大的胜利。
"Poverty has stunted further growth in Internet users, which has kept the Net user population to around 50 percent," Li said.
That's the headline flashing red warnings. After reviewing 20 cycles tracked by 20 other experts, GoldSeek.com concluded: 'There are many cycles that suggest a stock-market correction or crash is near ... Preparation is important. You still have a little time remaining before the 'window' closes!'

赖床有了新理由
开发商:Frontier、Microsoft Studios

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

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有些行业将会比其他的复苏得快一些。像建筑,制造这样的行业可以马上就开始招聘了。然而,零售,旅游,医疗这些依靠客户消费的行业则可能是复苏得最慢的。
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根据中国海关的数据,今年头十个月,中国对美国出口同比增长5.2%,对东盟(Asean)国家出口同比增长3.7%。

Ten years ago, Steele was a successful investment advisor speaking at ITU World, a United Nations conference on technology for government. That same week, California experienced its first-ever gubernatorial election recall. Steele couldn't believe these kinds of hiccups were happening during such important races (the infamous Florida presidential election recall was only three years prior), so she decided to solve the problem herself. To date,169 countries, including Bosnia-Herzegovina, used Everyone Counts' electronic voting platform, as did the Academy Awards committee.
10. Am I worrying about the future? Worrying about something that hasn’t even happened yet causes stress and anxiety. Focus on the moment in front of you and realize that it is all that exists.

2010年英文新年祝福邮件
While oil prices may rebound in 2015, they almost certainly won't return to $100 a barrel any time soon, barring a geopolitical crisis in a major petroleum-producing region. So the gift will keep giving this year and further feed an accelerating U.S. recovery.
“Our population and employment is at an all-time high and growing. That puts significant pressure on rents and prices,” said Mark Willis, the executive director of the New York University Furman Center for Real Estate and Urban Policy. “There is no reason now to think that these trends are likely to change.”
8.身着平底鞋禁止入场,是吗?
The fundamentals of the Chinese economy remain sound, the capital adequacy ratio and provision coverage of commercial bans remain high, and we have many financial tools and instruments that can be used. We have the confidence, the ability, and the means to forestall systemic risks.