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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.

然而我知道,你们这一代人不同于过去的任何一代人,极其渴望体会不同以往的人生。所以,在你们离开学校之际,我要向你们介绍几条显而易见、却容易忽略的真理,帮助你们以略微不同的角度来看待生活,而不是仅凭一叠薪金来认识世界:
Concerns about the vulnerability of some emerging economies and gyrations in financial markets over the past few days should not dent “cautious optimism” about the global economy this year, leading central bankers and officials said on Saturday.

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

Gitanjali said she wanted to further refine the device so it could eventually go on the market.

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

Hurun estimates that there are now 594 US dollar billionaires in China and another 94 in Hong Kong, Taiwan and Macau, compared with 535 in the US.

作为本田的高端品牌,讴歌去年共售出167,843辆,同比微增1.5%。而在美国这一备受豪华车品牌青睐的市场上,丰田的高端品牌雷克萨斯销量增幅为13.7%,宝马增幅为9.8%,奥迪增幅为15.2%,梅赛德斯-奔驰增幅为6.5%。
No. What has been billed as the largest ever IPO is a cornerstone of de facto leader Mohammed bin Salman’s grand economic restructuring, so it must happen. Shares in Aramco will be quoted on the local stock exchange. The international element of the IPO is unlikely to be a public listing, however. Donald Trump has lobbied for New York, and London is pulling all the stops. Hong Kong and Tokyo are also under consideration. But the Saudis will opt instead for a private sale, or choose to list internationally later than anticipated.
We have confidence that we will continue to open this country at a higher level, and maintain this country as a popular destination for investment. We welcome other partners to work with us to share in the development opportunities of China.
Drivers of China's online ride-hailing services will be required to hold a license by passing exams in November.
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尼古拉斯·凯奇(Nicolas Cage)向来不随大流,他曾向媒体透露,因为居住权问题,他因影片《离开拉斯维加斯》(Leaving Las Vegas)所获得的小金人“正在某辆卡车上穿越路易斯安那州”。显然,如果政府要对你查户口,问问你的小金人在何处就可以了。
《权力的游戏》
n. 有价证券;担保;保证人;抵押物(security的
谎言3:是的,这挺有道理的。说谎原因:方案二会让我显得毫无头绪。

总部位于纽约的世界品牌实验室编纂并于上周一发布了《2016世界品牌500强》榜单,苹果公司夺得了第一名的宝座。
政府部门的数据显示,无论在销售额和销售量上看,今年上半年香港房地产销售较去年同期下降了近40%。香港差饷物业估价署(Rating and Valuation Department)本月发布的一项指数表明,商业地产受到的冲击尤为严重,今年5月价格较去年同期下降了5.7%。
'In the next 12 to 24 months, unless any of these bottlenecks are solved, we could see WTI going down to $50 a barrel, to incentivize producers to slow down,' she said
No Bad Manners Awards could be complete without a mention of a Kardashian, could it?

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

其中还出现了一些长期霸榜的易泄露密码,出于某些原因,网友们一直热衷于使用这些密码。
单词expansion 联想记忆:

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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《不安感》
In short, the period was so far like the present period, that some of its noisiest authorities insisted on its being received, for good or for evil, in the superlative degree of comparison only.
Nigel Farage, former leader of the UK Independence party, has not advanced so far because it has proved harder to capture the UK’s party-based institutions than it is the US presidency.

We are now in the midst of the most peaceful era of human history. Back in the 1940s, 300 out of every 100,000 people would die as a direct result of war. We’re happy to tell you that that figure is now less than 1.
许多邦德电影主题曲听起来像酒吧表演歌曲。这不是抱怨,仅仅只是观察。无论出于何种原因,英国热门乐团杜兰杜兰发挥自身才能,为电影《雷霆杀机》创作了这首歌。曲调新颖,振奋人心。《雷霆杀机》是一首即使不依靠邦德电影也能成功的主打歌曲。歌曲轻松愉悦、活力四射,暗含一段令人沉醉的美好时光。(至于电影是否恰如歌曲讲述的那样尚有争议。)
The below are 5 companies that stand out from the rest and are startups to watch in 2014.

But the economic picture has brightened considerably in Arizona, as the housing market stabilized and unemployment hit a post-recession low of 7.8% in May. As part of Forbes’ annual Best States for Business, we look at 35 factors to determine the best and worst states, including projected employment. Arizona is expected to have the fastest job growth at 3% annually over the next five years, according to Moody’s Analytics. The job gains are projected to boost household incomes 3.6% annually through 2017, which ranks second best in the U.S. after Illinois. The added jobs also go hand-in-hand with the state’s economic growth, which Moody’s forecasts to expand at a U.S.-best 4.6% annually.
RSPCA South Australia chief inspector Andrea Lewis said it was a "heartbreaking" case for staff.

达奇斯说:捷蓝航空在2012年初遇到过很多困难(一名飞行员在飞行途中突然精神崩溃,这让公司这一年的开头极为艰难),但是在繁忙的假日旅行期间,顾客的满意和优秀的社交服务把这个品牌带入了成功的行列。
从物业费到倒卖税,共管公寓和合作公寓的业主经常抱怨,管委会要将他们榨干了。不幸的是,运营建筑的成本在短时期内不会下降分毫。
“An employee stormed out in the middle of a meeting, without explanation.”

约翰奥瑟兹(John Authers)
持续推进大众创业、万众创新。
一个由8位《沃兹汽车》编辑组成的专家组在10月和11月评估了所有汽车车型使用的44款引擎,测试时间为日常上下班和周末在底特律都市区及附近进行的活动。各位专家根据多项特征进行打分,包括动力和扭矩、燃料经济、噪音、抖动和声振粗糙度、技术以及这些发动机相对于竞争对手的表现。
Pink, LeBron James, Selena Gomez, Ian Somerhalder, Jay-Z and Beyonce, Ben Affleckalso made the list.

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.

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麦高恩说“让女性发怒还很难”,MeToo支持者“为自己编写了一部小说”,并没有直面好莱坞的本质。
Talented getaway driver Baby (Ansel Elgort) relies on the beat of his personal soundtrack to be the best in the game. After meeting the woman (Lily James) of his dreams, he sees a chance to ditch his shady lifestyle and make a clean break. Coerced into working for a crime boss (Kevin Spacey), Baby must face the music as a doomed heist threatens his life, love and freedom.

但是那数以千计的爱尔兰球迷呢?他们已经失控。
A Florida teen is causing strangers to freeze and stare because of her uncanny likeness to Queen Elsa from the Disney movie Frozen.
Apple's brand value rose 5 percent from a year ago to $178 billion and Google's brand value was up 11 percent from a year ago to $133 billion, according to the report.
2.别迷恋哥,哥只是个传说。
Amy Kazmin

The rest of them, he goes over quickly:
n. 有价证券;担保;保证人;抵押物(security的
成功的创业者需要付出努力和毅力,因为非常不幸的是,世上并没有创业小精灵,能够神奇般地将成功赐予小公司和他们的老板。
US News also offers subject-focused rankings, which include popular fields such as computer science, economics and business and engineering.

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为期三天的"中国发展高层论坛2016"近日在北京开幕。

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

As a result of the country’s strict policies, some of the underwear brand's most famous models are unable to appear in its biggest event of the year with Gigi Hadid announcing that she won’t be attending on Twitter last week.
Neneh Cherry “Blank Project” (Smalltown Supersound)
6、A股保卫战
Izabella Kaminska

“Someone resigned via a video conference call.”
这次奠基之战借鉴了查克·温柏和拳王阿里的比赛,这个无名小卒温柏成了在阿里的职业生涯中击倒过他的区区4人之一。和电影里一样,温柏与阿里打了15回合,尽管他看起来(感觉也)像被卡车撞过。虽然他和洛奇最后都被对手技术性击倒,但温柏胜在启发了史泰龙塑造这个了不起的角色。

Americans: While you're here, why not pretend to be Canadian? Very few Britons can tell the difference, and it will allow you to rescue yourself from awkward conversations about the death penalty.
Overall, state-owned and private businesses invested an unprecedented $23bn in Europe — including Norway and Switzerland as well as the EU — in 2015 while investing $15bn in the US, according to a report by Baker & McKenzie, a lawfirm, and Rhodium Group, a consultancy.
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1月份出口同比下滑6.6%至1.14万亿元人民币,而此前在去年12月份则曾增长2.3%。经济学家原本预计会增长3.6%。这是自去年7月下滑8.9%以来,出口出现的最大跌幅。
6.凡事以人为先