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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?

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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.

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.
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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

30岁的阿什莉·格林汉姆是首位跻身收入榜单的大码模特,她通过自己的内衣和泳衣品牌代言合同赚得550万美元,排在榜单的第十位。

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

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Female and male participants typically have similar profiles at the start of their EMBA.
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There is even is a standard demagogic playbook.
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GDP reached 74.4 trillion yuan, representing 6.7-percent growth.
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你可能希望分享这些文章的人是出于开玩笑,我也是这么想的。但是我们不能:这个分析指出,通过一个近期的BuzzFeed和Ipsos的公众事务民调显示,75%的美国人(84%的共和党人以及71%的民主党人)很容易就被假新闻的标题所欺骗。这是关于真实性调查、理性思维、扎克伯格的自我意识的梦幻一年。

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

Likewise, if the 11 countries led by Japan left in the TPP manage to salvage a deal following the US exit that could provide some balance in the region.
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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.

Kate Winslet is another Brit who’s opted for the loo for her best actress Academy Award, which she was awarded for her complex role as a concentration camp guard in the 2008 adaptation of Bernhard Schlink’s novel, The Reader.
自信和迷茫只有一线之隔,而现在的科比·布莱恩特正横跨在这两端。这是在周二与勇士的比赛中我们唯一可以得出的结论。这位湖人队的超级明星打出了自己职业生涯当中,单场至少五次投篮的比赛中最糟糕的一场。
政府确实管了一些不该管、也不应属于自己管的事情,它束缚了市场主体的手脚,降低了行政效率,甚至影响了政府的公信力。
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31岁的扎克伯格去年的表现力压群豪,个人资产上涨了112亿美元,从去年的第十六位跃升至今年的第六位。这是他和杰夫·贝佐斯首次进入福布斯年度排名榜单前十位。
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或许纯粹是巧合,但Magento首位产品经理蒂姆o舒尔茨也刚刚加入Bigcommerce,出任产品管理高级副总裁。舒尔茨近年来担任谷歌Shopping Express、Wallet等服务的战略合伙和商业发展高管,未来将专注于Bigcommerce的一站式体验,将电子商务和实体零售更好地结合起来。“消费者想要无缝化体验,”他说。
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Good luck and great success in the coming New Year.
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与此同时,预计出口将继续下降,原因是全球需求疲软而价格上涨,以及中国实际上决定让人民币汇率再度盯住正在走强的美元。
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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.

"It is a truly a global phenomenon in which people, due to lack of opportunities, have to leave their families behind to provide for them," said Pedro De Vasconcelos, IFAD policy advisor and author of the report.
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在今年的榜单上,美国学校恢复了自己的优势,上榜的美国学校数量增至51所。2016年,这一数据首次跌破50,降至47所。在8所新上榜或重新上榜的学校中,有6所来自美国。
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该剧在今年暑期播出,受众的是喜欢奇幻浪漫题材的年轻观众。
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人们对于可穿戴设备销量的估计各不相同。研究公司IDC认为,这类设备今年的销量将超过1,900万件量,达到去年的三倍以上。到2018年,它的销量将会达到1.119亿件。瑞士信贷(Credit Suisse)预计,在接下来的2-4年中,这个行业的价值将会高达300亿至500亿美元。不过,在这一切实现之前,这个方兴未艾的市场需要摆脱人们对于“穿戴这种设备就是出丑”的成见。

We Pay Attention … Selectively
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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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再来看一下流失顾客的公司吧。
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3.1 用改革的办法深入推进“三去一降一补”。
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11月,由财新网(Caixin)赞助的中国制造业采购经理人指数(PMI)初值为48.6,高于预期的48.3。而10月份该读数则为48.3。读数显示上个月中国制造业活动在继续放缓,不过情况没有10月份那么糟糕。
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要知道,从来没有人能够为每一种情况做好万全准备。你可能刚刚发现这一点。你的教育经历为你提供了一个工作基础,但成长往往发生在第一线。或许,你鼓励你的团队不仅按最新期限完成工作,而且表现出色。或许,你与客户共事时发现自己比以往更加镇静自若。或许,你突然发现自己能利用以往建立的人脉,开始在组织里“呼风唤雨”。在学会这些技能之前,你只能学习说“Yes”。面对机会时,感到忐忑不安是很自然的事情,但千万不要让这种情绪扼杀你的成长。