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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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
Snap, however, has sunk to about $15 after initially rallying from its IPO price of $17 in March, damping some expectation of further activity involving so-called decacorns, tech companies that have achieved valuations of $10bn or more through private funding.
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 issue after issue, from Iranian sanctions to withdrawal from Afghanistan, there was little difference between his position and that of the administration, but Romney insisted he would have projected American strength more effectively.
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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
The leadership changes across the industry will be of particular interest to female consulting professionals, given none of these firms have ever been run by a woman. Consulting firms are vocal proponents of the business case for improved gender diversity at the top of large companies. It will be interesting to see if any of them decide to practice what they preach.
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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Morocco is home to nine UNESCO World Heritage Sites, mainly ancient towns and old city ruins, making it a decent choice for history lovers.
但1998年的记录现已被每四、五年一次的新记录多次打破，而2014年的记录是在没有显著厄尔尼诺现象发生的年度创下的。加文·A·施密特(Gavin A. Schmidt)是位于曼哈顿的美国宇航局戈达德太空研究所的所长，他说，下一次的强厄尔尼诺现象可能会打破所有的温度记录。
‘Unfortunately, while the newest episode may be a fantastic addition to the Star Wars franchise, ‘starwars’ is a dangerous password to use,’ said Morgan Slain, CEO of SplashData, Inc.
Considering Stryker's founder invented the turning frame -- a device that allows patients to be repositioned in bed while keeping their bodies immobile -- it only makes sense that this medical equipment manufacturer lends employees and their families medical beds, free of charge.
? Aid workers are worried about a food crisis in Haiti, where Hurricane Sandy killed 52 people last week. The UN is also concerned that flooding could lead to a sharp rise in cholera cases. At least 69 people were killed by Sandy in the Caribbean.
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This is BBC Sherlock, so your Watson isn’t stupid. He's rather smart in his own way and insecure about his sexuality (probably straight).
You're right to be paranoid. The company is always watching you, and there's a record of everything you do: every phone call, every text, every tweet and instant message. At most companies, they save that data forever.
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.
Mr. Corso restructured Mr. Carell’s nose, giving it a hook. He also shaved his hairline back and gave him more of a forehead.
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Mr. Wang, the WeChat user in Beijing, said he was an avid QQ user 11 years ago but stopped using the instant messaging service because 'it didn't look very professional.' But after downloading WeChat on his smartphone he found 'most of my colleagues and friends are on it, and everyone communicates through voicemails now.'
The Cassini spacecraft has been sending home images of Saturn, its rings and its moons since arriving at the gas giant in 2004. The mission ended in September with a planned fiery crash into Saturn’s atmosphere. While it studied the planet, Cassini explored moons — Titan and Enceladus — that could be home to extraterrestrial life. The probe also gave us great insight into our solar system, and will continue to do so for years as scientists pore over the data it collected.
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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
《沃兹汽车》将于1月15日在底特律一个与北美国际汽车展（North American International Auto Show）联合举办的仪式上颁发十大最佳引擎奖。
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Ranking third on our Top-Grossing list is Steve Carell. Despicable Me 2 was a huge hit this year, bringing in $919 million at the box office. Overall, the franchise has earned $1.4 billion at the box office worldwide and a third movie, Minions, is on the way. Carell also appeared this year in the small indie The Way Way Back and The Incredible Burt Wonderstone. The latter failed to earn back its production budget at the box office but we’re only looking at ticket sales here — the film put another $22.5 million in Carell’s column for 2013.
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But the crash hit. The economy tanked. The recession lasted 30 months. Wall Street lost over $8 trillion of our retirement money. In the first decade of the 21st century, from the 2000 dot-com crash till 2010 disaster Wall Street's had a negative inflation-adjusted performance. Today Wall Street's returns are just barely beating inflation. No wonder investors feel cheated by Wall Street's casinos.
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With interest rates expected to rise only slowly, commodities are likely to attract hedge funds and other speculative investors looking for juicier returns, said the bank.