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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.

But shipments to other destinations fared far worse, particularly those to re-exporter Hong Kong, which saw the dollar value of exports from China contract 26.3 per cent year on year to $33.84bn. Shipments to EU countries also fell 4.7 per cent to $33.5bn, while those to Japan dropped 5.5 per cent to $11.27bn.
先锋(Vanguard)的亚洲投资组合审查主管Yan Pu怀疑,亚洲的产品结构可能阻碍了ETF的发展。例如,亚洲ETF公司提供大量的股票ETF产品,但很少有固定收益产品。她指出,在美国,固定收益ETF增长迅速。

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

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.

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

巴韦贾同意这一结论,他指出,韩国和另一个大宗商品净进口国印度,都是成品油的出口国。以美元计算,这些成品油的价值今年应会上升。

榜单前十名中的其它外国影片为《变形金刚5:最后的骑士》、《摔跤吧!爸爸》、《加勒比海盗5:死无对证》和《金刚:骷髅岛》。
9. 设身处地也能提高记忆力
Years of growth fuelled by access to cheap funding by virtue of low interest rates in the developed world and China’s robust appetite for commodities are seen ending, leading economists at the Bank of International Settlements to warn of negative spillovers as borrowing costs rise.
Thirty-six Chinese brands have made it onto the list this year. Among them, eight are in the top 100, including the State Grid Corporation of China (36), the Industrial and Commercial Bank of China (ICBC) (40), Tencent (43), China Central Television (CCTV) (62), Haier (76), China Mobile (79), Huawei (81) and Lenovo (90).
THE EFFECT OF RAPID CHANGE
单词transport 联想记忆:

但是随着西方制造业和工业的衰落,不少工薪阶层市镇也随之衰败,父母和祖父母们发现,下一代已经不能拥有他们曾经拥有的机会了。
中国信息通信研究院的报告称,2016年国产手机出货量达4.98亿部,占国内手机总出货量的88.9%。
新建的房产将给那些财大气粗的租房者提供奢华的居住选择,它们大多位于曼哈顿以外的行政区。根据花旗居屋的数据,在布鲁克林,预计有6527个新的出租单元,将于明年(2015年——译注)投放租赁市场,比曼哈顿3802个单元多出近一倍。
Recipient: Their Royal Highnesses The Duke and Duchess of Cambridge (joint winners)

vt. 建议,推荐,劝告
《星球大战:侠盗一号》预计2016年12月16日上映。
"We are also witnessing a positive progress of diversification," he said. "In the past, most Chinese companies' patent filings were concentrated in the ICT sector, but now there are increasingly patents filed in engines, turbines, sports, automotive, and biotechnology sectors."
"This film was about survival, adaptation and the triumph of the human spirit and more importantly it was about trust.”

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

超级大坏蛋们将受命保护人类——这就是《自杀小队》的主旨。 一个名叫“A.R.G.U.S”的政府机构招募了一些罪犯帮它执行危险任务,罪犯们将得到的报酬是减刑。这支特遣小队的成员有小丑、死亡射手、哈利·奎恩、回旋镖队长、杀人鳄以及DC漫画宇宙里的其他坏家伙。
时间:2010-03-09 编辑:vicki

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 developer behind Kinect Disneyland Adventures and Elite: Dangerous is taking the theme park business to the extreme in ScreamRide. The game lets players build outrageous roller coasters, thrill rides and attractions from the ground up and then take them for a test run. The game offers three ways to play: Engineers can construct elaborate rides that test the boundaries of physics and g-forces; Scream Riders get on these rides and experience the thrills and spills first-hand – sometimes resulting in untimely deaths; and Demolition Experts can use any means necessary to tear down an entire amusement park. With classic PC games like Roller Coaster Tycoon now playable on smartphones, this next generation of thrill-ride creator is a welcome interactive experience. It’s always fun to build, ride and destroy roller coasters – and ScreamRide offers plenty of ways to share the thrills with your friends.
We asked the Dachis Group, a social media measurement agency, to tell us which brands got the biggest increases in consumer love, and which lost the most ground.
清华-欧洲工商管理学院的EMBA项目始于2007年,并于2012年进入英国《金融时报》排行榜,首次入围就直接冲至第四名。此后两年,该项目先后排名第二和第三,并最终在今年拔得头筹。
[f?'ti:g]

1. Newspaper reporter
The new numbers, reported by a tracking initiative called the Global Carbon Project and published in the journal Nature Geoscience, came on the eve of a United Nations summit meeting meant to harness fresh political ambition in tackling climate change. Scientists said the figures showed that vastly greater efforts would be needed to get long-term global warming within tolerable limits.
Management and leadership skills are just one aspect of EMBAs. “It actually made an entrepreneur of me,” says one graduate. Nearly a third (31 per cent)of graduates have set up their own company, or are about to, since enrolling on their EMBA four or five years ago. FT data show that 91 per cent of the businesses are operating today.

凯莎与死亡金属之鹰乐队联合创作了《Let‘Em Talk》(《让他们说去吧》)这首流行朋克风格的歌曲,它以吉他原声为主导,是一首能够瞬间引爆全场的经典之作。
乔布斯靠在一台“麦金托什”个人电脑上在股东大会谈笑风生,1984年1月,旧金山,库比蒂诺

"It is very reassuring to learn that the government of China has set a target of 7.5 percent GDP growth while trying to keep inflation at a manageable level. It will not only maintain China's prosperity, but also help spur the regional and global economy, which Indonesia can benefit from."
TAXES: Approximately $18,036 a year
如果反弹幅度小、时间短,那么显然结构性变化已经开始了。我希望,过多投资于大成本项目的公司以及仍然高度依赖于油气收入的国家对此做好了准备。

You're the best present I ever received.你是我所收到的最好的礼物。
2015年最需要迎头赶上的品牌:由于产品线陈旧,大众今年的销量下降了11%,影响了费迪南德o皮切的“称霸全球”计划。沃尔沃的销量则下跌了17%,自从被中国车企收购后,该公司至今还没有任何进步。
时间:2010-03-09 编辑:vicki
该书反映了部分群体越来越担忧自动化可能对就业——从制造业到专业服务领域的就业——产生的负面影响。该书英国版的副标题警告了“大规模失业的威胁”,美国版的副标题则预言了“一个失业的未来”。

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.

"There's a new type of wealth creation coming out," he told Reuters, adding China was having to adapt as the wider economy was "very materially slowing down".
住房市场在去年年初表现抢眼,但到年末时则受到不断加重的担忧情绪困扰,这其中包括利率上升、供给制约、信贷收紧及一系列其他问题。
The Veterans Day holiday, which pays tribute to all men and women who have served in the U.S. military, dates back to 1919, when President Woodrow Wilson proclaimed November 11 as Armistice Day to celebrate the end of fighting exactly one year earlier in World War One - "the war to end all wars" - between Germany and the allied nations of Britain, France and the United States. The armistice famously went into effect at "the eleventh hour of the eleventh day of the eleventh month."

Contrary to the consensus view -- which assumes that smartphones in China will only get cheaper -- she cites research showing that the average selling price stablized last yearand has actually started to increase as Chinese users trade up to higher-quality smartphones.
市场已经做出了回应:2014年9月份的工作空缺岗位在过去14年里达到了最高的水平,还有另一个能说明问题的数字人们辞职的速度达到了过去五年里的新高,调查显示人们辞职后通常立即换了一份薪酬更高的工作。
Industrial production expanded 1.4 per cent month-on-month in October, the quickest pace since a 4.1 per cent rise in January. It was better than the 1.1 per cent gain in September, but still fell short of economists' expectations for a gain of 1.8 per cent.
After exhausting all his options, the practical kid decided to tend to his academic responsibilities, not knowing how long it would take before someone finds him.
In June this year, a collaboration between universities and industry announced that it had discovered a huge reserve of helium gas in Tanzania, using a new exploration technique.

据悉,这个女孩来自上海,在两个月间每天都通过她妈妈的手机和银行卡,给这名男子网上支付1900元到9500元不等。
If you work hard and benefit the company you work for, you deserve to be rewarded for that. If your boss hasn't given you a raise in the last two years, ask for one. If he or she says no, get out now.
今年的排行榜包括90个管理学硕士项目,创历来最高纪录,多于2015年的80个。
今年世界卫生组织宣布H1N1型流感为全球性传染病。庆幸的是,这种病毒远没有人们最初想的那样危险,而最新面世的疫苗似乎已经平息了那弥留在人们心头久久不能散去的恐惧。

这就真相了,我同意。
今日,麦高恩在杂志Sunday Times Magazine上对性侵维权运动做出不雅评论,头一天布雷特·卡瓦诺法官刚在最高法院中宣誓就职,并于当天否认了性侵控告。

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

那么,何种力量将决定大众明年提出的问题?这取决于你的身份(和居住地)。虽然购房者在新的一年里还将迎来高风险的竞购战,但是纽约市的偏远社区(说的就是你,大广场区[Grand Concourse])将会有大量寻求廉价住宅的潜在居民——所谓廉价,也只是针对那些令多数普通人可望而不可及的黄金地段,相对而言的。
而传统主义者诸如乔治·克鲁尼(George Clooney),他因影片《逃离德黑兰》(Argo)获最佳影片奖以及在影片《辛瑞那》(Syriana )中获最佳男配角,他的奥斯卡奖杯放在家中的书房。达斯汀·霍夫曼(Dustin Hoffman)曾在1980年因影片《克莱默夫妇》(Kramer vs. Kramer) 、并在九年后因影片《雨人》(Rain Man)两次获最佳男主角奖,也将其奖杯放在书房中。
If Dwyane Wade lost 30 pounds of muscle, you wouldn't be able to tell him apart from the high school version of himself.
beneficial

A report by human resources website Zhaopin released recently found that only 3.1 percent of students expecting to graduate in July said they will start their own business, down from 6.3 percent in 2015.
达洛伊西奥设计了一款名叫Summly的应用软件,该软件能够将繁冗的文章精简成几行关键句子。早一代Summly软件发布后,技术观察家意识到在这个无论资讯还是财报,一切新闻都快速阅于掌上的时代,这样一款简洁、精准的摘要软件蕴含着巨大的价值。该应用吸引了包括好莱坞明星和亚洲首富李嘉诚在内的全世界投资者的兴趣。

迅速崛起的“色情短信”服务商Snapchat与早期的社交媒体巨头Facebook具有令人不可思议的相似性。我们现在都知道扎克伯格早早就投下的赌注获得了多大的成功(更不必说他还彻底击败了卑劣的文克莱沃斯孪生兄弟)。那么,Snapchat能否拥有同样光明的未来?
当其他同龄人每天乖乖去上学的时候,她已经出来养家糊口四年了,她不得不快速成熟起来。
韩国文化部一位名叫黄记泳(Wang Ki-young,音译)的主管周五表示,中国当局已要求北京的旅行社从3月中旬起停止韩国游项目。黄记泳表示,此举或扩展至其他省份。
The enterprise storage company boosts company morale by hosting a mid-summer "Dog Day". Employees bring their pets to work and enjoy a vendor fair (local groomers, store owners, and trainers are often present), as well as a doggie talent show. A raffle runs the week leading up to the event, and all proceeds are donated to a local animal charity.
2. 谷歌文档