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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.

9、邦德经历风险无数却总能死里逃生。当然,人物本身是虚构的。有意思的是,研究证明,肌肉男更皮实。实际上,肌肉不发达对男性来说,可能很要命。(可能就是发达的肌肉让他得以活命的吧,我怀疑他会死于心脏病或前列腺癌)。
Next year, more tech workers will speak out, following former Facebook employees Sean Parker and Chamath Palihapitiya, who have condemned social media’s addictive properties.

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

10、 因为与邦德在一起很有趣,女人往往会迷上他,这在人际关系中很重要,也是很多首次约会一拍即合的秘诀。甚至派去杀他的女特工也会爱上他。研究证明,这也不奇怪,007的形象常被批成大男子主义,也许不错--但是,只能让他在女人面前的魅力有增无减。

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

IMD and Iese Business Schools have tightened their grip on the top spots of the twin FT executive education rankings, monopolising first and second places for both open-enrolment and customised programmes.

Attractions: Food, culture and scary stories
国际货币基金组织(IMF)总裁克里斯蒂娜?拉加德(Christine Lagarde)表示,她除了今年的全球经济复苏(recovery)充满期待外,还对另外两个“R”感到担忧。第一个是“风险”(risk),她认为,一些旧有的风险(例如完成金融业改革的必要性)与美国缩减定量宽松政策的相关风险一样重要,此外还有针对欧元区可能陷入通缩等问题所新产生的担忧。
Baoneng is believed to have borrowed heavily to fund its share purchases in Vanke and is now the developer’s largest single shareholder with a 25 per cent stake.
In the month since her death, police have not said whether she accidentally pulled the trigger or was shot by someone else in the room.
Li Jianmin, from the local Public Security Bureau, told Xinhua news agency, quoted by the South China Morning Post: 'The entire processing facility had a fishy and foul smell. You just couldn't stand it after one or two minutes.'
不会。当然,这种情况可能发生,但是只要运气不是太差,梅眼下至少可以确保英国经济不会在2019年因掉落“无协议”悬崖而急剧下滑。2017年12月,“共识预测”(Consensus Forecasts)预测2018年英国将增长1.5%。该机构对日本和意大利的预测值更低,为1.3%。因此英国明年成为G7中经济增长最慢国家的几率应该在四分之一左右。

Where Goods Made From Trafficked Wildlife Go
我立刻赞同了克雷格和尼尔关于艾伦是今年颁奖礼最合适的主持的想法。我们希望举办一场娱乐、吸引人而又有趣的颁奖礼。
1.水上类比赛项目
v. 擦亮,磨

入围名单以聚焦科技业的图书为主,Basic Books和Oneworld Publications出版的《机器人的崛起:大规模失业的威胁与科技》最终战胜了强大的对手。
这项研究需要对夫妻互动时的情绪进行庞大的纵向研究。
Demagogues are the Achilles heel of democracy.
There are two concerns about taking a so-called survival job. It could distract you from your job search, and potential employers may have trouble envisioning you in your previous professional role.

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

《出生于缅甸皇室的她成为军阀和大毒枭》(The Female Warlord Who Had C.I.A. Connections and Opium Routes)
据《每日经济新闻》报道,这16家上市银行计划向股东返还3562亿元现金分红,与前一年相比减少了83亿元。

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.

当新员工迈入QuikTrip位于塔尔萨的总部时,他们可没功夫去害羞:刚开始的几天,他们的办公桌上都摆着满满一大桶糖果。路过的同事常常停下来做自我介绍,顺手也抓块糖吃。
这里说的是2007年倒闭的那家巨型次贷公司吗?是2008年破产的雷曼兄弟(Lehman Brothers)吗?
pr(iHbd+xg|gPd&q+&+Y
comfort

通常冷静的分析师们早已习惯了汽车行业的缓慢增长,但是遇到特斯拉,他们就丢掉了一贯的谨慎。德意志银行(Deutsche Bank)的分析师罗德o拉切给该股设定了310美元的目标价格。无独有偶,摩根士丹利(Morgan Stanley)的分析师亚当o乔纳斯也将特斯拉的目标股价定为320美元,并称它是“世界上最重要的汽车公司”。
The first drone can be traced back to 1916 when British inventor Archibald Low designed and flew the first unmanned radio-controlled vehicle. The drone was made to counterattack German Zeppelin airships, and it also carried out ground attacks during World War I. It was made with wood and tin, its wings taken from the lower wing of another biplane. Overall, the drone was somewhat unsuccessful because the noise from its engine interfered with its radio. The Sopwith Aircraft Company also tried making a drone in 1916. They placed the radio equipment at the tail so that the engine would not interfere with its signal, but their drone never flew as it was damaged in an accident on the ground. Low would try flying his drone again in 1917 when he flew it in front of some senior military officers. It was launched from the back of a lorry and flew for some time before crashing due to engine failure, almost killing the military officers present.
法学、工学、医学的毕业生签约月薪较高,平均值分别是5545元、4512元、4500元,同去年相比略有下降,而教育学、农学的毕业生签约月薪偏低,分别为3258元和3184元。

或许你在与你不赞同的决定的争论中表现得更加勇敢,福斯说“任何偏离你常有表现或者你一笑而过的态度的行为,”她说到。
The helium pushes the foam upwards through a stencil.

4.你的同事会泄密。
为了尝试遏制煤炭消耗量的增长,中国正在可再生能源和核能领域投入巨资,但尽管付出了这些努力,中国迄今为止依然是最大的温室气体排放国。中国每年因化石燃料燃烧和水泥生产排放100亿吨二氧化碳,几乎是美国的两倍,但美国的人均排放量依然远远高于中国。
The average pay for executives in educational companies was the lowest, just over 2.8 million yuan and about one tenth that of their counterparts in the financial sector.

adj. 传统的
Tracey and Viv Williams, a British couple, dressed as the green cartoon ogres from Shrek at their wedding held recently. Tracy, 33, made a lovely Princess Fion
单词discourse 联想记忆:
加强现代农业建设。

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.

鉴于《速度与激情7》定于2014年夏季在各大院线上映,“巨石强森”将再次迎来丰硕的一年。凭借影片《海格力斯》(Hercules)他还可以做得更好。该片讲述的是这位神话英雄在完成其著名的12件苦差后的生活,极有可能拍摄续集。如果该部影片也能取得巨大成功,那么约翰逊在2014年将获得丰厚的票房收入。
HEC Paris and London Business School have tightened their grip on the top of the Financial Times rankings of pre-experience and post-experience Masters in Finance programmes respectively, having dominated the finance rankings since they were first published in 2011.
马克?高恩洛夫(Mark Gongloff)在《赫芬顿邮报》(Huffington Post)上警告说:“一季度美国经济增长的大幅降级揭示了经济体挥之不去的疲弱,暴露了华盛顿执迷于财政紧缩的愚蠢,并给美联储最新的乐观打了一记响亮的耳光。”而随着政治局势的恶化,增长速度还会进一步放缓。

但煽动家利用此类抱怨的做法威胁到了民主。
2017已经是詹姆斯在联盟中的第十四个赛季,但他的场均助攻和篮板竟然还创下了职业新高。在这个赛季的前两个月里,他拿出了整个职业生涯最好的三分表现,但鉴于这已经被各方专家们讨论和剖析,并且被媒体广泛的报道了,我在这里就不加赘述了。
The impact of sluggish growth on year-end payouts may have peaked in 2015, however, when 66 per cent of white-collar workers received no year-end bonus. And the 2016 level actually represents an improvement from 2014, when 61 per cent had to go without.
主流网络游戏仍然是大型多人在线角色扮演游戏 (MMORPG)。报告说,今年10月,中国最热门的10款网络游戏中有6款都属于大型多人在线角色扮演游戏。动视暴雪(Activision Blizzard)开发的《魔兽世界》(World of Warcraft)在注册用户和最高同时在线人数方面仍然排名榜首。但报告指出,目前围绕着这款游戏大陆运营权的政府监管纷争可能会给《魔兽世界》带来负面影响。网易公司目前持有《魔兽世界》的中国大陆独家运营权。
据公安部介绍,2016年,1576名外国人成为中国永久性居民,较上一年度增长163%。

雷文斯克罗夫特最终不再从事教学工作,他创办了Enabling Enterprise,这是一家寻求减轻学校和企业脱节现象的机构,它让学生走出教室,从事实践项目并实地探访包括瑞银(UBS)和富而德律所(Freshfields)在内的企业。
infect+ion→传染;感化
Global gold production rose to 3,268.7 tonnes in 2017 from 3,263 tonnes a year earlier, according to the WGC. That was the smallest increase since 2008, when gold mined fell more than 2 per cent during the financial crisis.
《the Post》

11月24日至25日,苏富比举办慕尼黑第四代交易商康拉德·伯恩海默(Konrad Bernheimer)的藏品拍卖会,他拥有历史悠久的伦敦科尔纳吉画廊(Colnaghi)。65岁的伯恩海默决定缩小自己的业务,关闭慕尼黑的画廊,卖掉巴伐利亚的豪华宅邸马尔库斯泰恩城堡(Marquartstein Castle),将科尔纳吉画廊与伦敦的Coll & Cortes画廊合并。
AIG CEO Robert Benmosche will be voted CEO of the Year.

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

Here are five things consumers and investors can count on (probably) in 2015:
如果你没听过这句话,你去年绝对没上过中文网。这句简单的话是留在魔兽BBS上的,不知道什么原因——有说法是有网络公司是幕后推手——这句话吸引了710万人点击,在发布后24小时内产生了30万条评论。
新年是这样美好的时光:炉火熊熊,花儿芬芳,醇酒飘香,殷殷祝福,美好回忆,
9. Putting Yourself in Someone Else's Shoes Improves Memory

It was unearthed by archaeologists in 2012 and has since been kept at the Yizheng Museum. It is not shown to the public.
One difficulty in assessing the potential for ETFs in Asia, say experts at the largest asset management houses, is both the disproportionate size of the Japanese market within the region and the role played by the Bank of Japan, which distorts the market as it buys ¥6tn ($54bn) of ETFs a year.

黑莓在周三下午的一份声明中表示:“黑莓尚未与三星进行过任何潜在的收购谈判。黑莓的方针是不对谣言和揣测加以评论,因此我们也不会对此做出进一步说明。”
[k?mpi'tin]
《X战警:天启》据悉将于2016年5月27日上映。
3、美酒佳人。 邦德走到哪里喝到哪里,美酒的确能帮他俘获佳人。喜欢喝一杯的人最容易在第一次约会时就抱得美人归。
“It suggests that people put more weight on what happened to themselves and less weight on other information that might be available,”Koudijs says. The more personally removed people are from an important event, the less it is to affect their appetite for risk.