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.
《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。
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
It's lightweight and rolls up easily for travel.
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
5. What Is Illuminati?
Piano and ballet performance “On My Fingertips And Toes” (Lang Lang and Hou Honglan)
Making the cut for the first time, Gigi, 22, and Bella Hadid, 21, are ranked at number five and number nine respectively, with the former making $9.5 million and the younger sibling taking in $6 million.
Mr Talbot notes that regulators in Japan are encouraging fee-based sales with a new fiduciary code and other measures that will play to the low-cost appeal of ETFs.
And, this year, Star Wars found its way onto the list as well, with ‘starwars’ claiming the 16th spot.
9. Ambrose Akinmusire “the imagined savior is far easier to paint” (Blue Note) The trumpeter Ambrose Akinmusire imbued his second Blue Note album with the searching, genre-fluid sound of today, enlisting singer-singers and a string quartet. His social commentary feels even more urgent and stinging now than it did when the album was released.
Moving away from fossil fuels to renewable energy is surely the most important engineering and scientific challenge of our age.
'Nebraska' gets to the heart of Bruce Dern's prickly old geezer, Woody Grant, by way of a road trip across Montana and Nebraska, shot in radiant black-and-white. (Here again one of the movie's stars is its cinematographer, Phedon Papamichael.) Alexander Payne directed, flawlessly, from Bob Nelson's stellar script, which is all about thwarted love, and reconciliation, between Woody and his son Will; he's played with painfully quiet eloquence by Will Forte. Here's the American heartland as it's seldom portrayed on screen, with humor and almost palpable fondness.
To provide assistance to these laid-off workers will continue to be our priority in cutting overcapacity and pursuing the supply-side structural reform.
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
Revenge epic The Revenant was named best drama picture and DiCaprio and Inarritu walked to the stage to collect it together.
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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“The Diary of a Teenage Girl” (Marielle Heller)
4. OPEC’s Next Move.OPEC deserves a lot of credit (or blame) for the remarkable downturn in oil prices last year.While many pundits have declared OPEC irrelevant after their decision to leave output unchanged, the mere fact that oil prices crashed after the cartel’s November meeting demonstrates just how influential they are over price swings. For now OPEC – or, more accurately, Saudi Arabia – has stood firm in its insistence not to cut production quotas. Whether that remains true through 2015 is up in the air.
Fewer women than men have worked abroad for at least six months (42 per cent and 52 per cent respectively) but they share exactly the same motivations — to develop management skills, build their network and increase their earnings.
Three Billboards Outside Ebbing, Missouri is a darkly comic drama from Academy Award winner Martin McDonagh.
以丹麦为例，如今，88%的丹麦人口都是白人——这样的多数地位很难动摇。但在1980年，也就是上一代人的时候，丹麦有97%的人口是白人。反移民的丹麦人民党(Danish People’s Party)现在是丹麦议会中的第二大党。在德国，从2011年到2015年间，非本土出生人口激增了大约75%，反移民的民粹政党德国另类选择党(Alternative for Germany)如今获得了破纪录的支持率。
201109/155435.shtmlIn August, Jose Javier - from the city of Torrevieja - created an account with AdWords, a Google pay-per-click service.
While 221 people fell off the billionaires list this year, 198 people joined the ranks. Twenty-nine from the 2015 list died, while another 29 rejoined the list after having fallen off.
Kendall's earnings more than doubled from 2016's $10 million total, making her the biggest dollar gainer on the ranking.
6. 《出租车》(Taxi)，导演贾法·帕纳西(Jafar Panahi)。
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.
While Jaws's story is extremely unrealistic, it was based on a real series of deaths attributed to a single shark in 1916. In what has been dubbed the "most unique set of shark attacks that ever have occurred," the Jersey Shore saw four people die from shark bites over the course of two weeks. The offending shark was reportedly caught with body parts still in its digestive tract, although leading scientists still aren't sure what drove it to attack so many people.
We were all going direct to Heaven, we were all going direct the other way
Every employee wants a pat on the back once in a while, and the best bosses understand the importance of recognizing and appreciating employee contributions. This doesn’t have to mean bonuses or fancy corporate awards, but regular and meaningful expressions of appreciation。
Online banking and P2P lending has developed rapidly in China amid a push by Beijing to expand financing for consumers and small businesses. Upwards of 2,000 companies operate in China’s P2P lending milieu.
麻省理工学院（MIT）最近发表了一份白皮书。虽然该报告的题目听起来不免有些不吉利——《你是否已为供应链人才危机做好准备？》（Are You Prepared for the Supply Chain Talent Crisis?），却一语中的。这项研究表明，供应链经理需要掌握先进的技术技能，同时还得具备“高度的外交手腕”，精通总体业务战略，能娴熟地解决各类问题，要能在混沌状态中求生存。
Length of program: 24 months
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All-cash buyers. Skittish lenders. Skyrocketing prices. Anemic listings. These realities haunt buyers, turning the house hunt into a demoralizing slog. Unfortunately, buyers will probably have to soldier through another year of a market that favors sellers.
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
“…did a song and dance routine in hopes of getting the job.”
“与前些年相比，今年两会适逢领导人换届，还将讨论机构改革。会上还将讨论贯彻执行十八大政策的详细规划。”Lee Kyu-hyung, Republic of Korea ambassador
May the New Year be a time of laughter and real enjoyment for you. Best wishes.
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Western whites have a place within their nations’ new, broader national identities. But unless they accept it, the crisis of whiteness seems likely to continue.