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.
Bernard Baumohl 作为Economic Outlook Group的首席经济学家，表示他甚至更乐观的认为接下来的两年将会成为至少近十年以来形势最好的两年，他还称“有很多证据充分的表明了经济正在恢复的势头”。
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
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
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周二，土耳其总统雷杰普?塔伊普?埃尔多安(Recep Tayyip Erdogan)对荷兰的外交声讨升级，他宣称荷兰“品德败坏”，并认为荷兰军队对二战以来欧洲最恶劣的大屠杀难辞其咎。
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“It’s na瘀攀 not to recognize we’re at a pretty serious moment,” said Anthony Crichton-Stuart, director of the London dealer Agnew’s. “There has been a massive taste shift. But when a good old master does come up at auction and it is priced correctly, you do get some excitement.”
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I loved his list (hat tip to him)， but I thought I’d elaborate on what I believe makes for an effective boss or manager。
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
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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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In this Jan. 9, 2007 file phtoo, Apple CEO Steve Jobs holds up an Apple iPhone at the MacWorld Conference in San Francisco. Jobs the CEO,
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《美国谍梦》(The Americans)，FX，1月28日播出。这部剧精彩地将冷战间谍惊悚剧与家庭剧融为一体，第三季一开始，潜伏在华盛顿的克格勃小队感受到了苏联的阿富汗战争的压力。弗兰克·兰格拉(Frank Langella)加入演员阵容，饰演剧中夫妻间谍的新联系人，取代了玛戈·马丁代尔(Margo Martindale)饰演的克劳迪娅(Claudia)。顺便说一句，八天后NBC即将首播的《忠诚》(Allegiance)是讲述潜伏在美国的俄罗斯间谍的。哈。
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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.
5. Mother Nature
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Roth, 60, is a professor at Harvard University in Boston. Shapley, 89, is a professor emeritus at University of California Los Angeles.
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萝丝王在中国长大，在那里学会了计算机编程。大学毕业后，她希望到美国工作。第二年，《中国学生保护法案》（Chinese Students Protection Act）获得通过，萝丝王获得了休斯敦大学的计算机科学硕士学位。2001年9月11日之前，她曾在多家硅谷初创公司（包括成立自己的公司iBizWomen.com）工作。911事件让她产生了创办Binary Group的想法。Binary Group是一家与联邦政府合作的科技咨询公司。过去16年间，这家公司帮助客户节省的资金不计其数——比如美军第20支援司令部（Army 20th Support Command）就在五年时间内共节省了6,000万美元卫星通信带宽开支。
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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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adj. 投影的，投射 v. 投射（project的过去
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