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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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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

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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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Shortly after Cook's op-ed, the Senate voted to approve the Employment Non-Discrimination Act, which would make it illegal to discriminate against LGBT employees in the workplace. The legislation will now be sent to the House for consideration.
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The understandings are that winners never take all.
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赫梅尔说,“如果发达经济体的原油需求增加,再加上新兴经济体需求的增多,我认为市场供应将趋紧。”这意味着油价走势图上可能会再度出现多个高峰。
Lian Ping, chief economist with the Bank of Communications, said rising producer prices may push up consumer prices in the longer term.
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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

Paris is the only Eurozone country in the top 10, and sees a drop of three places, which the report says may be due to falling confidence in the euro.
女性地位继续上升。

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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Plastic surgery has long been big business in the US, but now the trend is sweeping across Asia.

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The programme entered the ranking in second place in 2006 and was ranked top in 2008.

去年,在报名参考的139万人中,只有93万人最终进入了考场。
上个月,中国贸易顺差增至4962亿元人民币,高于去年12月的3821亿元人民币。经济学家曾预计该数据将略高于3890亿元人民币。以美元计,该月中国贸易顺差从去年12月的600.9亿美元增至632.9亿美元,也超过了606亿美元的预期。
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I expect more companies to develop leaders who know how to manage networks — not just the traditional internal network of employees, but more loosely connected webs of suppliers and contractors, managed remotely via the internet and social media.

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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In comparison, second-tier cities reported worsening congestion, an increase of 3.7% on average, with Chongqing, Changchun, Jiaxing and Shenyang leading the rate of growth at over 7%.
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Tsinghua University and Peking University are ranked in 14th and 17th place respectively -- the same positions they held in last year's rankings.
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'Chinese clients are not only buying in Asia but in New York and Geneva as well.'
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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

Japanese cities have seen a lowering of costs, despite being some of the most expensive cities over the past 20 years, Tokyo and Osaka have dropped to 11th and 14th place, respectively.
A person walks through snow Tuesday in Belington, West Virginia. Superstorm Sandy buried parts of West Virginia under more than a foot of snow on Tuesday.
The report also found traffic congestion in first-tier cities such as Beijing, Shenzhen, Guangzhou and Shanghai have stopped getting worse with local government efforts.
Fuel for this latest burst of Tesla mania came from none other than Chairman and CEO Elon Musk in comments he made during an analyst call on July 31. The big news wasn’t that Tesla reported higher production for the second quarter and beat earnings estimates again.

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A candidate's age is no gauge of their effectiveness, Sonneborn tells PEOPLE, saying that despite Donald Trump being the oldest person elected to the U.S. Presidency, “He tweets like a kindergartener.”

Traffic was halted along Interstate 68 in Frostburg, Maryland on Tuesday. Wet snow and high winds spinning off the edge of superstorm Sandy spread blizzard conditions over parts of West Virginia and neighboring Appalachian states.
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n. 飞行,航班
马自达获得了最佳轿车品牌的称号。汽车媒体一直很青睐马自达的表现,而如今的马自达汽车都在精致的内部设置和强大的驱动力上赢得了积极的反馈。上图的2016马自达第三代,在美国新闻小巧车排名中摘得桂冠,它的精准操控,强大加速度和高端室内布局,赢得了大多数汽车评论家称赞。
Both claim to represent the people against foreigners and traitors.