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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.

积极稳妥去杠杆。
About 980 million yuan of illicit assets were recovered, according to the Communist Party of China Central Commission for Discipline Inspection.

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

Let us look at what lies ahead for the rest of 2017 in trade:

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

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?

1977:“俄罗斯型流感”H1N1感染人类1977: "Russian flu" H1N1 Infects Humans
这部电影是完全的、纯粹的流行天堂,其中不乏独创性和黑色幽默。动作编排恰到好处。某些画面,观影者忍不住想冲出电影院叫来朋友观看。但你并不敢离开位置,你怕错过这绝妙的片段。
adj. 精美的,微妙的,美
为保证更快的经济增长就必须要要消除美联储所担忧的另一个恶魔:通货紧缩,或者说价格下降。Baumohl 称“经济增长达到3%以上,并且自90年代以来新增了大量工作的国家发生通货紧缩几乎是不可能的”。
在周二发布的一份研究报告中,行业组织国际金融协会(Institute of International Finance)经济学家罗宾?克普克(Robin Koepke)表示,投资者、新兴市场政策制定者以及美联储自身都忽视了美国利率在引发新兴国家汇率、银行及债务危机方面的作用。
对于英国广播公司文化部门来说,戛纳期间堆满了工作,而派对是少之又少。但是,影展之外的电影节给小镇描上了醉人的红色。在2013年,我们试图联系白雪香槟酒庄(Piper Heidsieck)计算电影节期间香槟的消费数量,但作为提供“官方饮品”的白雪香槟酒庄拒绝回应。不过看看克鲁瓦塞特(Croisette)大道上那些微醺的脸庞以及踉跄的步态,我们可以合理的推测香槟的消费数量十分庞大。电影节的第一周,在为马提欧?加洛尼影片《故事的故事》(Tale of Tales)举办的派对上香槟成河,狂欢者嗨至凌晨。次日早晨,英国广播公司的瑞贝卡?劳伦斯与某位明星进行访谈,询问其在采访前休息了多久。这位明星只是眯起了惺忪的眼睛,抬起了2根手指。

Until now Thor has been the neglected child of the Marvel Cinematic Universe. Though some liked Kenneth Branagh’s first film featuring the god of thunder, Chris Hemsworth was arguably overshadowed by Tom Hiddleston’s preening popinjay of a villain, Loki. And the second film, the humourless Thor: The Dark World, is widely regarded as the worst film released by Marvel Studios to date. So to inject new life into this sagging franchise, Marvel brought in New Zealand comedy auteur Taiki Waititi to add some Kiwi quirk. This time Thor faces down the goddess of death, played by Cate Blanchett. Thor may have the hammer, but she has the attitude. Released November 1 in Serbia and Hungary, November 2 in Cambodia and Israel and November 3 in India and Canada. (Credit: Marvel Studios)
小编碎碎念:华裔球员林书豪的一夜爆红,让因病缺阵的尼克斯当家球星小甜瓜安东尼颇有几分“躺着也中枪”的无辜感。
9.忠诚待人
大型企业PMI为53.1,比上月下降0.7个百分点;中型企业PMI为49.8,回落1.3个百分点,意味着进入轻度收缩。小型企业PMI为49,下降0.4个百分点,意味着收缩加剧。

6. 《火星救援》(The Martian)。在布满红色岩石的山坡与丘陵之间,雷利·斯科特(Ridley Scott)这部非常令人满意的太空西部片既源自一个历史悠久的类型,也源自他的殿堂级遗产。
《敦刻尔克》是克里斯托佛.诺兰第二部背景设定不在当代(或未来)的电影,这部战争片描绘了在敦刻尔克营救数十万大军的史诗般宏大场面。该片由汤姆.哈迪、马克.里朗斯、肯尼斯.布莱纳,斯里安.墨菲以及哈里.斯泰尔丝出演。想一想《拯救大兵瑞恩》,不过比这更刺激。
10月1日
So take a look. I sincerely hope you enjoy reading them as much as I liked selecting and editing them.

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

同时,城市周围的乡村地区将会进行修缮,低端的制造厂和公司将会迁移。
5月30日,日本南部海岸附近发生了强烈地震,使中国民众担心,继2011年后,类似海啸和福岛核电站熔融的大灾难会再次发生。不过,最后并没有出现人员死亡或重大损毁的报道。

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.

The best bosses understand the art of delegation. My commenter said something along the lines of, “They’ve fired themselves from their previous job,” meaning that they don’t interfere in the day-to-day and minute-to-minute workflow or processes. In essence, learning to delegate instead of micromanage is about trust。
Economic forecasters are counting on 2014 to be a breakout year. But whether the economy finally moves past its sluggish growth will rest on several forces playing out differently than they have since the recovery began. Some of the key questions:
第九步 每天,告诉全世界“别BB了”,其实这样蛮圈粉的
政治建军、改革强军、依法治军

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Although various public incentives exist, many come in the form of tax breaks, low-interest loans or rebates. So a building might have to levy an assessment or raise maintenance to cover initial costs. “You run into the problem of nobody giving you the money upfront,” Mr. Luxemburg said.
outstanding

n. 繁荣,兴旺
Which showed month-on-month prices had fallen – albeit marginally – in Beijing, Tianjin, Shanghai, Shenzhen, Xiamen and Zhengzhou during the second half of the month.

n. 潜力,潜能But top managers at companies in the fields of scientific research and technology services saw their pay decrease by 4.2%.
两周后,伯恩海默等几十位著名的早期绘画大师作品交易商出席伦敦的夜间拍卖会。过去,他们通常会在这些拍卖会上购买一些作品,以备在第二年3月的荷兰马斯特里赫特欧洲美术博览会(Maastricht European Fine Art Fair)上展示。但是由于卖家们鼓励苏富比和佳士得报出更高的估价来争夺自己的拍品,所以拍卖行只针对少数富豪进行宣传,现场竞价十分冷清。

Wal-Mart U.S. president and CEO Bill Simon
卓越雇主排名:61
法国电信商学院(Télécom Business School)和布拉格经济大学(University of Economics)的教师性别比例最为均衡,女教师占50%,瑞士苏黎世大学(University of Zurich)的教师性别比例最不均衡,女教师仅为9%。瑞士洛桑国际管理发展学院(IMD)的教师队伍国际化程度最高,94%来自海外,米兰理工大学MIP管理学院的教师则均为意大利人。
问:早年是否有什么东西激发了你的想象力和灵感,让你开始写作生涯直到现在呢?

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.

Wuxi, in coastal Jiangsu province, retained the top spot for a second month with growth of 4.9 per cent,
这个触动人心的成长故事完美捕捉了一个人从青少年初长为成年人的甜蜜又苦涩的阶段。
单词effective 联想记忆:

Comic skit “You’ve Got Trouble”(Sun Tao, Qin Hailu etc)
《大空头》,导演:亚当·麦凯。
在最新发布的英国《金融时报》管理学硕士(MiM)排行榜中,英国商学院有所进步,而法国商学院有所退步。
Edgar Wright’s Baby Driver is one of the most entertaining thrill rides of this year, this decade. This century.
丽萨斯通

André Aciman’s 2007 novel has spawned a big screen adaptation that’s among the most acclaimed films of the year. Up-and-coming 21-year-old actor Timothée Chalamet plays a young man living in Italy who has a passionate affair with an older academic (Armie Hammer). When it premiered at the Sundance Film Festival in January, BBC Culture critic Sam Adams awarded Call Me By Your Name five stars and praised Chalamet and Hammer’s chemistry, the lush photography of the sun-kissed Italian setting, and the particular nuance and depth of the script. It will be a major Academy Awards contender. Released November 24 in the US. (Credit: Sony Pictures Classics)
adj. 透视的
Wuxi, in coastal Jiangsu province, retained the top spot for a second month with growth of 4.9 per cent,
《老友记》里几乎都是白人演员,所以它在当时并不是一部以兼容并包著称的电视剧。剧中的主要角色没有一个是"非主流"。甚至乔伊还经常拿罗斯的第一个老婆是同性恋这事开玩笑,而且经常能在台词中看到性别歧视的只言片语。

Song “The Spring Blossom” (Na Ying)
萨默塞特?毛姆(Somerset Maugham)曾形容法国里维埃拉(French Rivier)为“阴暗人物的阳光之地”。环视着酒店大堂里的“模特”,带着黑超的男人们似乎与他们相识,我似乎理解了毛姆。戛纳华丽的外表下有着其并不光彩的一面,就如湛蓝的海水下垃圾成堆。电影节开幕前,法国潜水员,同时也是环保人士的Laurent Lombard(劳伦?隆巴德)拍摄的戛纳河床沉积着大量垃圾废物的视频被疯传。我们被告知在此游泳并无危险。据《每日邮报》报道,市长已下令清理。但是小镇确实不再那么闪耀迷人了。

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

The first is to view Asia as a market that has proved resistant to rapid development and will require significant structural and regulatory change before taking off. The second sees the possibility of sudden upside surprise.
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The magazine also notes that he gave $66 million to his presidential campaign and paid $25 million to settle a lawsuit related to Trump University.
Foreign property investment by Chinese companies plunged by 84 per cent last month, as Beijing’s capital controls choked off the flow of foreign acquisitions.

reflect反射;沉思+ion→反射;思考
5. Life is like a coffee table: it’s got tea sets and dinnerware all over it. (beiju, 杯具, is a homophone for tragedy, 悲剧, and dinnerware, canju, 餐具, a homophone for disaster, 惨剧).

该调查讨论了对未来的预测:"生活成本总是变化的,来年将发生的变化已经有了迹象。"
随着二孩生育政策的出台,为了缓解女性的担忧,国家应明确规定禁止歧视女性,包括要求公司有一定比例的女员工以及减税或其他优惠措施,以鼓励雇主有效实施女职工产假延长的规定。
The reading is just below economists' forecasts but it's not altogether surprising. When the People's Bank of China unexpectedly cut interest rates last month, some analysts said the move was likely a pre-emptive one and that a spate of weak data was likely ahead. Well, here it is.
[reind?]
“这可能影响他们一生。”