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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.

近日,新一期福布斯世界富豪排行榜揭晓,比尔·盖茨在近22年内第17次问鼎榜首。
n. 航行,航海,导航

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

India National Cricket Team

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

4.不推崇微化管理

Sixty-one percent of Chinese college students who graduated in 2014 are satisfied with their current jobs, a survey has revealed.
她说:“妈妈会说,‘噢,天呐,我们去看一下爱莉安娜?格兰德(Ariana Grande)吧。'我的反应是,‘妈,真要这样吗'”
李亦表示:“贫困阻碍了网民数量的进一步增加,使得网民数量占全部人口的比例只在50%左右。”
为回应这起事件,借贷宝12月1日在其新浪微博上发表了一份公告,强调用裸照作抵押贷款是用户之间的私人交易,该公司无法加以管理。
Shapley made early theoretical inroads into the subject, using game theory to analyze different matching methods in the 1950s and 1960s. Together with US economist David Gale, he developed a mathematical formula for how 10 men and 10 women could be coupled in a way so that no one would benefit from trading partners. While that may have had little impact on marriages and divorces, the algorithm they developed has been used to better understand many different markets.
If you plan to visit Brazil for the Olympic games, and to focus on sport and having fun, Google has you covered. In anticipation of the 2016 Rio Olympics, the search giant is bringing the 'Explore' feature to Brazil Maps.

单词galaxy 联想记忆:
Without a cellphone at hand, Sun tried yelling to get the attention of people outside, but no one responded as time passed by.
James Bond Themes Honorable Mention: "Surrender" by K.D. Lang
“I thought it would be impossible to replace Steve, and to some extent that’s true,” says Professor Michael Cusumano of MIT’s Sloan School of Management. “But internally the spirit is still alive and the company is organising around a less confrontational culture. We have to give Tim credit for that.”

在新兴市场出口量方面,巴韦贾不排除增长约4%至5%的可能性。但是,尽管与近年来相比这将是一种温和改善,但这一增长速度仍“处于长期分布中的最差25%区间,甚至可能是最差20%区间”,因为过去25年的年增长率中值约为7%。
Attractions: Festivities for the 2014 World Cup
A minimum of 70 per cent of the con-tent must be delivered online in order for programmes to be eligible for the online ranking. Nine out of the 15 ranked schools had no requirement to study on campus at all. The remaining six schools insisted their students attend weekend or week-long residential classes.
今年,全球2000强企业来自62个国家,比起2003的首届排行榜的46个国家数量上升了。这些企业总共创造了38万亿美元的营收及3万亿美元的利润,总资产达161万亿美元,总市值则达到44万亿美元。

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

Nevertheless, as New Yorkers grow accustomed to a sharing economy, buildings might ultimately have to embrace it.
想要工作稳定,最重要的是你与老板的关系。即使他跟你说:“我很想留住你,但是他们一定要让我辞退你。”这很有可能是假话。他才是那个下决定的人。

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.

You've usually stated in pastinterviews that you have connections to your characters. In Aldnoah Zero, whichis currently airing, what do you think is your connection to Inaho?
2.富国银行
除了深圳、广州和北京,上海也是毕业生就业找工作最受欢迎的城市。此外,中部和西部的省会城市也是毕业生就业的首选之地。
尽管当下是一个全球性的经济环境,但仅有约20%的美国人会说第二门语言。Sixty Vocab的目标就是以其在线外语游戏改变这一现状。基于2000个单词相当于一门外语的六成精髓的假设,Sixty Vocab试图使学习必要词汇的过程变得有趣。这些在线游戏能教你在对话中最为常用的词汇,并辅以限制时间的规则——你在越短的时间内猜出单词,你就能越快地进入到下一个阶段。Sixty Vocab填补了你高中课程和昂贵外语学习项目之间的空白,为那些想要在早餐咖啡或通勤时间学习一门外语的人提供了一个独一无二的选择。

我们要让权力不能任性,就得把那些不应该有的权力砍掉,有些涉及到部门利益,要压缩寻租的空间。这不是一个简单的过程,从中央政府一直到地方、到基层,要打通“最后一公里”。
报告指出,中国网游开发商自今年年初以来一直在考虑按照时间收费。在排名前十的网络游戏中,时间收费型网游占据了4个席位,其中两款是今年才开始商业化运营的新游戏,包括盛大互动娱乐有限公司(Shanda Interactive Entertainment)的主要新游戏《永恒之塔》(AION)。Cnzz.com说,转向时间收费模式更有可能给游戏带来公平和公正感,因为玩的最好的玩家将是那些花时间最多的人,而不是那些花钱最多的用户。
China Hyundai dealers seek up to $135 million compensation

她说,在人民币升值的同时,与中国在旅游业方面构成竞争关系的国家(如日本)的货币贬值,这意味着到其他一些亚洲国家旅游的费用更加便宜,而来中国旅游更贵了。
Aspiring young leaders already place more emphasis on using their influence, rather than trying to exert power through the embedded authority of their position or their assigned title. Many are already gaining leadership experience, not through promotion at established institutions but by running bottom-up movements and voluntary groups, or by shaping their own start-ups.

Investors are divided as to whether the anticipated rate increase by the US Federal Reserve tomorrow has already played out, or will intensify stress for indebted companies and economies.
据雅虎的统计,新闻取代了名人成为2010年的最热门搜索项,搜索量最大的两个新闻热点是英国石油公司的墨西哥湾漏油事件和南非世界杯足球赛。
The consumer price index rose by 1.8 per cent year-on-year in January, from 1.6 per cent in December 2015. However, CPI continues to trail Beijing’s target of “around 3 per cent“.

n. 笔画,击打,一笔(画)连续的动作,中风,
税:2014年约为16866美元(约合人民币10.8万元)
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.
Google's top searches for 2017 included Matt Lauer and Hurricane Irma.The search giant has unveiled its annual Year In Search results that show the top Google searches in various categories globally and by country.

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.

5. 地缘政治事件。不久之前,石油供应稍有差池,油价就会飙升。比如说2014年初,利比亚内乱造成该国石油出口中断,油价应声上涨。在伊拉克, 极端组织ISIS领了部分地区,石油供应中断的顾虑也造成油价急剧攀升。然而,自此之后,地缘政治事件对油价的影响大为减弱。2014年最后几周,利比亚再现战事。但市场仅在油价短暂上扬后便把这一问题抛诸脑后。不过,历史一再证明,地缘政治危机是对油价影响最大的短期因素之一。(财富中文网)
他回忆称:“我曾认为教书不是一个合适的职业选择。我的老师告诉我,如果我想当一名老师,就得有很强的忍耐力,不能轻易感到厌倦。”
公司:技术服务公司Binary Group

It is just a common sense that no one wants to see chaos at his doorstep.
床垫内的传感器可以检测压力和发送邮件给你的应用程序,它不会放过任何一个细节。它不仅检测床上运动,还可记录强度和速度。
The tightening drove some enterprises seek other financing options such as bonds or listing on the National Equities Exchange and Quotations (NEEQ).
“我们会根据天气谨慎考虑投送的时间和地点,但这些都不会公开,”脱北者Park Sang-Hak说道,他曾经领导过一系列的气球投送运动。
还是得作秀

当你报名了学习某门课程时并要开始学习时,你要确保自己已经将孩子安顿周全。学习和照顾孩子兼顾是人之常情。每天都有人做着这样的事。
The report said families back home receive an average of $200 a month, which makes up 60 percent of the household income.Using the steady flow of remittances, families can buy food, get housing, go to school, access healthcare, improve sanitation, or even invest in a business and have some savings, the report said.
历史会这样回首2012年:这一年,中国“第五代”领导层亮相,同时中国经济转向较低速增长的轨道。这种转变发生的背景,将是一系列令人畏惧的国内挑战——不断增加的社会不安定,不断扩大的收入差距,以及生态和人为的灾难——加上不断升级的外部紧张,这源于美国重新转向亚洲,同时亚太邻国对中国的经济崛起越来越感到忧虑。
● “奥巴马总统证实,如果特朗普当选他将拒绝离开白宫”

When Finnish programmer Jerry Jalava had a motorcycle accident in 2008, he faced a double tragedy. First, he lost his finger, an obvious problem for anyone who types for a living. Second, he had to deal with a medical team who thought they were comedians—learning of his profession, one surgeon joked that Jalava should go out and buy a “USB finger drive.”
镜头切换到《爱乐之城》的演员和剧组人员那里,他们高兴得抱成一团了,但大家可以听到比蒂好像在说:“应该是爱玛?斯通。”而唐纳薇回应道:“什么?”当《爱乐之城》剧组上台领奖时,可以听到旁边的舞台管理人员说:“哦……哦!天啊!他拿错信封了!”

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

SplashData公司建议,使用榜单上出现的密码的用户和公司赶快修改自己的密码。SplashData公司警告称,用数字代替字母的常见密码,像“dr4mat1c”,也很容易遭到破解,因为现在密码入侵者的科技手段也越来越高端了。
2) I often talk to strangers 0 1 2 3 4
5、邦德具备美女约会种种要求。乐衷于性的女人更喜欢“坏男人”-邦德属于此类。讲究的女人喜欢阳刚男人,寻求一夜情的女人喜欢外型帅气、主动进攻的男人-非邦德莫属。
At the last minute he opted instead for Teach First, the educational charity that has become the UK’s biggest recruiter of new graduates. Rather than parachuting into companies that needed restructuring, Mr Ravenscroft started teaching business and economics at Cardinal Pole School, which serves 11-19 year old boys and girls in Hackney, east London.

Fans of Twilight will finally get to see how the wedding, honeymoon, and birth scenes play out with the release of Breaking Dawn Part 1. But before you catch R
This founding father argued that the college would both guard against the desire in foreign powers to gain an improper ascendant in our councils and ensure the office of President will never fall to the lot of any man who is not in an eminent degree endowed with the requisite qualifications.

扫盲:Illuminati字面意思为“先觉者”,是启蒙运动时期的一个巴伐利亚秘密组织,成立于1776年5月1日。它的成员中包括文学巨匠歌德和哲学家海德这样声名赫赫的人物,但它存在的时间却十分短暂。我们熟知的Illuminati(光明会)最早的首脑,正是大名鼎鼎的伽利略。他非常喜爱对称物,于是另一位光照派成员——艺术大师贝尔尼尼便为伽利略设计了一件杰作。他将16世纪时人们认为组成世界的四大元素:土(earth)、水(water)、火(fire)、气(air)以及Illuminati(光明会)这五个原本并非对称字的单词设计成了对称的文字,即在倒转180度之后与原来的形状一模一样的文字图案。
n. 免疫,免疫性,免除
单词protection 联想记忆:
check原是检查的意思,后来有这么一帮人喜欢突然阻止你,检查你的暂住证,所以就有了突然阻止的意思。
Chinese Premier Li Keqiang said the economy performed better than forecast in 2017 and expects annual gross domestic product growth of around 6.9 per cent, according to state media.