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.
The company realised that "it was all a mistake and that he did it without thinking," a Google spokeswoman said last Wednesday.
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
50个最优秀的“无工作经验要求”项目的所有毕业生中，三分之一以上毕业于英国的商学院。英国的商学院还吸引了近一半的女学生以及近一半的国际学生。实际上，2014年一个英国“无工作经验要求”金融硕士项目招收的学生中，有94%来自海外。这些学生当中约有85%来自欧洲经济区(European Economic Area)以外，55%来自中国内地。
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
On Her Majesty's Secret Service gets an honorable mention on our list of James Bond Theme songs.
直到最近，Weill Cornell Medical College的科学家们至少在老鼠和猴子身上实现了这一点。这种人造视网膜，它的芯片可以将画面转换为电子信号，而它的微型投影机可以将电子信号转化为投影光线。
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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
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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它还体现在詹巴蒂斯塔·瓦利(Giambattista Valli)最近的秋冬时装秀上，那场时装秀中充满泡泡袖印花长款衬衫和配套裤子，以及低腰直筒女学生连衣裙；还体现在麦丝玛拉(MaxMara)向乔治·巴里斯(George Barris)1962年为玛丽莲·梦露(Marilyn Monroe)拍摄的照片致敬的系列。
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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.
2. Tell all your friends not to give birth or wed or die or whatever during the World Cup coz we won’t go.
In my life, I have dreamt of seeing the great herds of wild animals, jungles and rainforests full of birds and butterfilies, but now I wonder if they will even exist for my children to see. 我一生的梦想就是能看到成群的野生动物，茂盛的丛林和大片的雨林中到处是鸟类和蝴蝶在飞舞。但是现在我想知道我们这些小孩是否还能再看到它们？
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最佳迷你剧集/电影类编剧：D?V?蒂文森斯(D.V. DeVincentis)，《美国罪案故事：公诉辛普森》，“玛西亚，玛西亚，玛西亚” (The People v. O. J. Simpson: American Crime Story, "Marcia, Marcia, Marcia")
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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
在波尔多足球场外，一个欢闹的视频中摇摆的人群对着一名笑着的年轻女子大唱“Can’t Take My Eyes Off You and Hey Baby”。
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