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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.

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Remember Anthropoid. A rather overlooked drama from earlier this year, it starred Jamie Dornan and Cillian Murphy in the story of a failed assassination attempt on Hitler's third in command, SS General Reinhard Heydrich. Another crack at this story is being attempted with HHhH, this time round with Jacks Reynor and O'Connell as the plotting soldiers, plus Rosamund Pike and Mia Wasikowska as the objects of their affections, and Jason Clarke the target of their anger.

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

Despite the breakthrough, Jack Ma, chairman of Alibaba Group, said there was no need for human beings to fear machines.

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

Despite the criticism, Mayer defended her decision to Fortune in April and said that the move was "wrongly perceived as an industry narrative." Mayer said she needed employees to work in the office to encourage collaboration and innovation from workers. So far it looks like her controversial move may be helping the business: Yahoo's stock is up more than 100% since Mayer took over in 2012.

支出提升三成是由更专业的创新药品,更多患者支付得起药品以及放宽专利期限这些因素驱动的。
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The company is hardly alone in its efforts to woo talent of a different sort. Earlier this year Intel announced a collaboration with the Council of Fashion Designers of America, or CFDA, kicking off a partnership with the high-concept retailer Opening Ceremony to design its smart bracelet. Tory Burch partnered with Fitbit to design pendants and bracelets akin to the Shine Tracker by Misfit Wearables. And Apple AAPL -1.03% has tapped a diverse group of people, including former Burberry chief executive Angela Ahrendts (to lead its retail efforts), former Yves Saint Laurent CEO Paul Deneve, and former Nike NKE -0.71% design director Ben Shaffer.
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China’s bid to close its own Asia-Pac deal

The clothespin dates back to the 1800s, but in 2016 it became "smart." Meet Peggy, the laundry peg that's supposed to "help you lighten the load" by telling you when the washer cycle is over and if the weather is nice enough to hang your clothes outside. The device connects to your phones and sends you alerts when the weather changes or when you need to remove your clothes.
One year after new measures were implemented, Shanghai saw a year-on-year increase of six times the number of permanent residence applications from foreigners and their families.
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? The failure of a backup generator forced the evacuation of the Langone Medical Center, part of NYU hospital. About 200 patients had to be moved. Officials are investigating why the backup power failed.

Gov. Ricardo Rossello, 37, proposed several measures aimed at alleviating the crisis shortly after he was sworn in at midnight. Among them is a proposal to hold a referendum that would ask voters whether they prefer statehood or independence. Many have argued that Puerto Rico’s political status has contributed to its decade-long crisis that has prompted more than 200,000 people to flee to the U.S. mainland in recent years.
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That brought the balance of trade to $49.06bn, down about $4.3bn from November and coming in about $2.3bn lower than forecast.
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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

Starbucks, up 49 per cent to 21 in the ranking, has evolved from a café to a place where people can hang out all day since it now sells breakfast, lunch and evening meals, accompanied by alcohol in some places.
报告结果基于今年8月、9月针对全国15870位民众开展的调查。

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.

adj. 有限的,被限制的
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Some 695 million netizens used mobile phones to access the Internet in 2016, with a growth rate exceeding 10 percent for the third straight year, the report said. Smartphone-based Internet use accounted for 95.1 percent of all Internet users, up from 90.1 percent in 2015.

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A study cited in an article from Harvard University suggests your diet could have a significant impact on your memory as you age. Scientists at Brigham and Women's Hospital published a study within the "Annals of Neurology" that suggested women who ate high levels of saturated fat in foods like red meat and butter didn't perform as well on memory tests than women who regularly consumed less saturated fat. Researchers haven't yet discovered the connection between saturated fat and memory, but they hypothesize it could have something to do with a person's genes. Scientists and doctors have long recommended that patients work to control their cholesterol levels as they age to protect the memory during the aging process.
“We miss a heck of a lot of people,” Mr Hoogewerf told the Financial Times. “I was in Beijing two weeks ago and visited this investment company. In the space of one afternoon I discovered 30 people who went on to our rich list this year. Last year they were under our radar.”

6.London's bike hire scheme couldn't be simpler, by the way: just go up to the terminal at any docking station, pay by card and take away one of our so-called "Boris bikes". When you're done with it, simply throw it into the nearest canal. They're disposable!
You qualify as a type D personality if you scored 10 or higher on both Negative Affectivity and Social Inhibition scales.
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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.

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Death may be behind the ritual of the critic’s top 10 lists, including that of physical media: Lists are easy to read on cellphones even if the deluge of entertainment media increasingly makes comprehensive viewing near-impossible. More than 900 movies will have opened in New York by the end of this year, many slipping in and out of theaters quickly and racing toward on-demand oblivion. Even so, I watched several hundred features over the year and liked quite a few; the major studios and the independent sector released the expected junk but, as usual, movies of merit. What follows are my favorite moving pictures of 2015 and another 10 miscellaneous notes on the year.
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相比之下,巴西雷亚尔升值促使咖啡和糖价格飙升,因为该国是这两种商品的最大生产国。
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Bond King Bill Gross admits, 'QE must end.' Trillions of cheap money 'has distorted incentives and inflated asset prices to artificial levels.' But now Gross says 'the Fed plan may be too hasty.'
6. Make a plan.
目前全国11个省的52所高校配备了自动售货机,出售艾滋病检测试剂以供学生自查。
智联招聘高级职业顾问王一新表示:“虽然国家政策、各大高校和投资环境给大学生创业提供了良好的土壤,但鉴于大学生经验欠缺、资源积累不足、人脉不足等原因,目前大学生创业成功的概率并不高。”

Consoles: Xbox One, Xbox 360, PS4, PS4, PC
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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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The EU filed just 12 anti-dumping cases in 2015, two less than the year before.
Thirty Seconds of Mars, who are fronted by American actor Jared Leto, took home the Best Alternative award, which also saw Lana Del Rey, Lorde, The XX and Imagine.

保障房倡导者们则担心,如果重新区划做得不认真,那么居民社区或将迅速士绅化。“看看威廉斯堡(Williamsburg)发生了什么吧,”城市正义中心(Urban Justice Center)的社区开发项目负责人哈维·艾普斯坦(Harvey Epstein)说,他指的是房价上涨,“我不明白,它怎么就不可能发生在东纽约、布朗克斯或者法拉盛呢。”
On the US, Rabobank said it was cautious on the outlook following the election as president this month of Donald Trump.

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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。
Around 2025, China's richest man's personal wealth will match the US' richest man's, and will be in a race to be the world's richest man, the magazine predicted.
New Year's greetings and best wishes!