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.
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Now analysts believe the opportunities for profitable growth are nearly exhausted, according to Chen Long of Gavekal Dragonomics, a research group.
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.
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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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15. 有趣的巧合。环球影业是题材最具多样性的制片公司之一，它发行了《生活残骸》，也发行了《冲出康普顿》，还有《泰迪熊2》(Ted 2)。环球影业的女导演也是最多的，12月初，它占据了今年24%的市场份额。
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It is the thirdhighest overall behind the two Indian management academies at Ahmedabad and Bangalore, with respective salaries of $109,000 and $106,000.
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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与此同时，前第五届和声明星 Camila Cabello证明了她的独唱生涯正在起飞，因为她的首张单曲《Havana》获得了最佳流行音乐奖。她的胜利意味着Taylor Swift失去了另一个奖项，尽管这对于歌手来说只是众多收获中的一个，但是近期她因为一年的沉寂过后又重新成为焦点。
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Horowitz admitted that while doing so he has had to work carefully to preserve 007's characters and attitude as created by the spy novel’s first author Ian Fleming, who died in 1964.
全食CEO约翰麦基的《自觉资本主义》（Conscious Capitalism）一书让公司高管们不得不思考这样一个观点，那就是处于最佳运转状态的企业能为所有利益相关方创造价值，而不仅仅是投资者。麦基认为，主要利益相关方包括顾客、员工、供应商、社会以及环境。他以好市多、西南航空（Southwest Airlines ，《财富》500强）和谷歌（Google，《财富》500强）为例，说明思维超越利润能够打造更强大而、更高效的公司。
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The pickup in consumption in turn will entice businesses to hire and invest more to keep up with rising sales. The result: The U.S. is likely to grow more than 3% for the first time since 2005.
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Germany ranks No. 4 overall. The nation ranks No. 10 in Citizenship. It is also No. 1 in Entrepreneurship and No. 3 in Best Countries for Education.
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.
A cheery New Year hold lots of happiness for you!
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哈佛大学著名教授格雷厄姆?阿利森(Graham Allison)也警告说，东亚已走向“修昔底德陷阱”(Thucydides’s trap)，他并补充道：“当一个迅速崛起的大国与一个老牌霸权国竞争时，麻烦接踵而来。”2013年初，时任卢森堡首相的让-克洛德?容克(Jean-Claude Juncker)警告称，2013年看起来像1913年一样危险。2013年底，《经济学人》杂志(The Economist)也警告说，“一个世纪已过去，当今世界却与那个导致第一次世界大战爆发的时代有不少相似之处，令人不安。”
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23% of wealthy Chinese women work in real estate and 18% of them are involved in finance and investment, followed by manufacturing accounting for 14%.
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
会计和咨询机构德勤(Deloitte)英国分公司的企业责任主管克莱尔?伯顿(Claire Burton)表示，Teach First出来的人很受招聘人员的欢迎，因为他们擅长团队合作，有很强的领导能力。
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乔布斯在苹果大会上作专题演讲后展示MacBook Air ，2008年，1月15日，旧金山
New Year's greetings and best wishes!
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Trade flows brought China’s balance of trade to $40.82bn, roughly $7.2bn below expectations and down about $3.6bn from November’s revised level of $44.23bn (previously $44.61bn). That balance came to Rmb275.4bn in local-currency terms.