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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.

尽管与普通的开瓶器并无二致,但它拥有精良的设计,是由不锈钢和实木制成的。
Suspecting that the water had been mixed with something harmful, Tang reported the incident to the class monitor and teachers.

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

It is unknown why there was still a Best Actress duplicate available when Beatty walked on stage.

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

This means war: Christopher Nolan's second film not set in the present (or future) is an epic tableau about the rescue of hundreds of thousands of troops from the French coast. Tom Hardy, Mark Rylance, Kenneth Branagh, Cillian Murphy and, er, Harry Styles, star. Think Saving Private Ryan, but saltier.

syn=same,drome一次流出-一次流出相同症状-综合症状syn=same;drome=drone(n 雄蜂;v 嗡嗡作声)-同样的症状嗡嗡的过来-综合症状
Unlicensed drivers who engage in the services will face a fine ranging from 10 thousand yuan ($1,500) to 30 thousand yuan ($4,500).
根据《人民日报》的一份报告,截至2016年年底,中国的电影银幕已达到41179块,另外新增1612家电影院和9552块电影银幕。
The BFC's news has been met with support from people on social media, who have applauded the designers choosing to forgo the use of animal fur.
其中,在
1. 2012年搞笑诺贝尔奖之心理学奖

OUTDOOR SPACE: Steps down from the patio is a walled garden with a lawn and a fountain. The property is 0.10 acre.
明尼阿波利斯(MINNEAPOLIS)
transport(n /v 运输;狂喜),trans转移,port搬运
现在达洛伊西奥还不负责管理他的收入。他坚称说,我太年轻了,还不懂如何发挥其价值。我没有房贷,我才17。对我来说100英镑就是个大数目了,这就是我对钱的大致概念。尽管他无法对Summly的售价置评,但当我逼问他未来打算如何支配的时候,他说他在考虑以后也许可以用所发之财来做一名天使投资人。在他身边,似乎没人觉得这份钱会毁掉他或者他会挥霍钱财浪费人生。戴安娜说,孩子很踏实,很有冲劲儿,他不会停止奋斗的。

cap容纳+acity表名词,“有…倾向”→容量;能力
7.Make Practice Tests
这是连续第二个周末,委内瑞拉的社会主义政府开放与哥伦比亚长期封闭的边界,星期日上午6点,潜在的顾客们排成长蛇阵,穿过圣安东尼奥德尔塔奇拉整个小镇。有些人租了车,从10小时车程外的城市赶来。
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.

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

8."Homeland" (2.4 million)
6. 查理兹-塞隆 1650万美元

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.

根据公安部的声明,自2015年9月以来,我国在放宽外国人居留、入境政策方面取得了巨大进步,帮助吸引了更多海外人才、促进了国际交流和经济发展。
combat
本次国考招录共有120多个中央机关及其直属机构参加,计划招录2.7万余人,与上一年度规模基本持平。
艾伦非常有才,主持也自然,她知道如何调动世界范围内的观众的心绪。她是奥斯卡的铁杆粉丝,而我们也是她的庞大粉丝团。真是完美的契合。

His first coding effort resulted in an app that played audio snippets from speeches by his idol, Steve Jobs, whose unauthorized biography he'd recently devoured. 'It was rejected by Apple for every reason,' D'Aloisio says now, laughing. 'Copyrighted audio, poor functionality, too simple.' Another early design allowed users to touch a picture of wood, producing a knocking sound. A third transformed a smartphone screen into a treadmill for your fingers. That one earned about $120 in sales on its first day.
China Mobile, supply chain rumors are emerging about Apple’s next significant product releases. Digitimes reports that according to “sources from the upstream supply chain, ” Apple is planning to release a 5-inch iPhone 6 “phablet” this coming May and a large tablet in October.
寄希望于电梯可能会再度恢复运行,他随即按下所有楼层的按钮,但是并没有奏效。于是,孙轶潇按下"停止"按钮,锁住电梯,确保不会再下坠。

Jia Yongsheng general director of the demolition company told China's state TV channel CCTV: 'For this kind of large-scale blasting demolition conducted in the downtown area we not only need to guarantee the demolition result but also strictly control the adverse effects of blasting.'
比利时和乌拉圭这两个袖珍之国因为包容性最大限度地增强了自己的实力,巴西、阿根廷、西班牙和德国这四个本届杯赛的夺冠大热门肯定会对他们特别小心。他们将会是有力的提醒,告诉世界小国家通常也能一击致命,就像巴西本土的小动物蚊子和蝎子一样。

尽管英国商学院的排名平均上升了两位,但法国商学院的排名平均下降了一位——法国是商学院数量最多的欧洲国家。里昂商学院(EMLyon Business School)由于跌出MBA榜单之外,整体排名下降了15位,同时北方高等商学院(Edhec Business School)由于未能进入EMBA榜单,整体排名下降了8位。
8.俄罗斯
As the stars' private jets swooped in, the internet was going mad for 'the Dad bod'; the slightly flabby male physique was trending and there were plenty of examples on screen. Deborah Cole of AFP noted a “sweating, panting and shirtless” Gerard Depardieu in Valley of Love and a flash of Joaquin Phoenix's “tubby tummy” in Woody Allen's Irrational Man. When Colin Farrell strode the red carpet for the premiere of The Lobster, he looked his usual trim self – but in the film he is distinctly paunchy. To add some girth for the role of a lonely singleton in Yorgos Lanthimos' absurdist black comedy, Farrell went on a massively calorific diet that included drinking melted ice cream, he told the Hollywood Reporter. Eating “two cheeseburgers, fries and Coca-Colas, and two slices of chocolate cake at 10am is not that fun,” he said. “And I love cheese?burgers."

Two years ago, the AFI delayed voting on its year-end list to give critics a chance to see Star Wars: The Force Awakens, which it subsequently included on its list of the 10 best films of 2015. However, this year, the latest Star Wars film, The Last Jedi, which hits theaters on Dec. 15, was nowhere to be found on AFI's list.
这种增长为中国电影业未来的发展奠定了坚实的基础。
According to the announcement, the new administrative center in Tongzhou will put infrastructure upgrades and ecological improvement on top of the agenda. The municipal government hopes to improve public services in education, healthcare, cultural events and industries in the district.
At 36, women are about two years younger than men but senior positions are fairly well distributed between genders, with only slightly more women in relatively junior positions — 26 per cent of them are professionals compared with 24 per cent of men.

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.

His first coding effort resulted in an app that played audio snippets from speeches by his idol, Steve Jobs, whose unauthorized biography he'd recently devoured. 'It was rejected by Apple for every reason,' D'Aloisio says now, laughing. 'Copyrighted audio, poor functionality, too simple.' Another early design allowed users to touch a picture of wood, producing a knocking sound. A third transformed a smartphone screen into a treadmill for your fingers. That one earned about $120 in sales on its first day.
Directing for a Mini-Series or Movie: Susanne Bier, “The Night Manager”
同行评审指由一个或多个与论文作者业务能力相当的人进行评估,这有助于对研究进行验证。

6. Lighting
The projects will also cover infrastructure programs such as new connections between Tongzhou and downtown Beijing, sewage and waste water disposal, and energy facilities. Cultural projects will be carried out to provide more employment opportunities, as the construction proceeds on a Universal Studios theme park and a training facility for the National Center for Performing Arts, Lu said.
A lot of the best James Bond theme songs sound like they belong in a lounge act. That's not a complaint, just an observation. For whatever reason, the English new wave act Duran Duran was given free reign to provide A View to a Kill with a new and exciting sound all its own. "A View to a Kill" was a hit song, and it probably would have been a success even without the James Bond connection. It's entertaining and cool and energetic, and it promises one hell of a good time. (Whether or not the movie actually lives up to that promise is a matter of some debate.)
Comic skit “Happiness Of Today II” (Shen Teng, Ma Li etc)
单词intended 联想记忆:

17 November
《一个开车从来不回头看的沙特女子》(A Saudi Woman Who Got Behind the Wheel and Never Looked Back)
会。美国政府在垂直合并案上已有数十年没赢过。据美国司法部(Department of Justice)自己的审查指导原则,像时代华纳这样的内容所有者与AT&T这样的分销商之间的“垂直合并”,远不如水平合并那么令人担忧。与此同时,Facebook、亚马逊(Amazon)、Netflix和谷歌(Google)这四巨头(合称FANG,取每家名称首字母)如今主宰了数字娱乐版图,这使得政府的如下论点更难以站住脚:两家传统媒体公司的合并,会从根本上改变竞争态势。
3.8 推进以保障和改善民生为重点的社会建设

Overall, state-owned and private businesses invested an unprecedented $23bn in Europe — including Norway and Switzerland as well as the EU — in 2015 while investing $15bn in the US, according to a report by Baker & McKenzie, a lawfirm, and Rhodium Group, a consultancy.
Or maybe you've become bolder in arguing against decisions you disagree with, Foss says. "Any variation to what's expected of you or from you could raise an eyebrow," she adds。

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

加拿大
Though its campuses often steal the benefits spotlight -- with their outdoor sports facilities, free food and more -- there's a more morbid perk that should certainly be noted. If a U.S. Googler passes away while working for the tech giant, the employee's spouse or domestic partner receives 50% of the deceased's salary, no matter how long or short his tenure, every year for the next decade.
A network of walking and biking trails leads to other lakeside neighborhoods and to downtown, which is about 15 minutes by bicycle and 10 by car. The Walker Art Center and other museums are nearby. Hockey and skating are popular on the lakes in winter; canoeing, swimming and fishing in the summer.
In the next few years, by 2018, theincrease to $1.3 trillion will be due to about $100 billion on hepatitis Cdrugs, the same sums spent on cancer treatment, and $78 billion on diabetescare.

Autonomous cars: Researchers are working on devices that will automatically park your car in a parking lot without you being in, or near, the car. It will also slip a note under the wipers of the car next to it with your phone number and insurance carrier in case of any scratches.
伦敦商学院的学员品质优秀,这让该商学院尤其具有价值。一位2011届的MBA学员表示:“跻身于如此人才济济的学习环境让我坚信,我可以独立做成某些事情。”

n. 温室,暖房
“我们为最佳影片奖颁奖通告期间出现的失误,向《月光男孩》、《爱乐之城》、沃伦?比蒂、费?唐纳薇、以及奥斯卡奖观众表示诚挚地道歉。颁奖嘉宾收到的是错误奖项的信封,这个失误一经发现立刻得到了纠正。”
《傲骨贤妻》(The Good Wife):艾丽西娅(Alicia)的秘密暧昧对象威尔(Will,乔希·查尔斯[Josh Charles]饰)在第五季末死去,CBS频道的这部性感法庭剧似乎要完蛋了,但是第六季却似乎充满了疯狂的能量——艾丽西娅初露头角的政治竞选、新旧公司的权力之争、合伙人卡里(Cary)的棘手法律事务。艾丽西娅不再那么完美,《傲骨贤妻》因此更好看了。
The film pulls heavily from the life of Arthur Bremer, who shot presidential candidate and segregationist George Wallace in 1972. Similarly to his film counterpart, Bremer shot Wallace shortly after being rebuffed by a young girl. Overall, though, his life was much less exciting than that of De Niro's character, with the biggest commonality between the two being that neither actually succeeds in killing a politician.
n. 衰微,跌落; 晚年