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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.

Although Facebook is blocked in China, Tencent has linked WeChat to Facebook, which means that users outside of China can use the service in conjunction with the world's most popular social network. That is a boon for WeChat in Southeast Asian countries like Indonesia, Thailand and the Philippines, which have large numbers of Facebook users. Tencent has offered WeChat in languages for all three markets.
新近成立的Eleven James正在男表领域引入合作消费的概念。该公司的会员项目能令你获得亲近一系列精挑细选的高端腕表的机会,这一曾经只和私人飞机、豪华汽车及度假屋联系在一起的会员模式正在Eleven James的手中发扬光大。除腕表外,会员还能注册专享忠诚度项目,其中包括礼宾服务、合伙人利益专享及诸如腕表主题活动等独一无二的体验。听起来有点像男士腕表和飞机租赁公司Net Jets体验的大碰撞?公司创始人兰迪?布兰多夫(Randy Brandoff)在奢侈品营销领域拥有深厚经验,曾经在Net Jets担任高级副总裁和首席营销官、在Marquis Jets担任过执行副总裁和首席营销官。他的专长,加上年复一年增长势头良好的腕表行业,以及一种在其他市场证明行之有效的商业模式——看起来Elven James正是在恰当的时间叩开了市场的大门。

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

吕特回应称:“这就是坐在沙发上发推特与治理国家的区别。如果你在治理这个国家,你就得做明智的决定,而驱逐大使是不明智的。”

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

Awards: Despite early wins for VW’s Golf GTI, the Detroit-centric jurors of the North American Car and Truck award 2015 prizes to Ford’s Mustang as well as Ford’s F-150 pickup truck.

中国一群现代汽车经销商要求韩国现代汽车赔偿8-9亿元(1.2-1.35亿美元),称现代汽车削减了向他们出口的车型,导致经销商亏损严重。
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'Her,' which was written and directed by Spike Jonze, takes romance into the virtual realm, and its hero on a gently crazed journey of genuine passion. Joaquin Phoenix is the poignantly lonely guy who falls in love with his smartphone's new operating system. The basic conceit is a fragile one, but it's beautifully and bravely developed, as well as elegantly photographed by Hoyte Van Hoytema, with perfectly calibrated performances by Mr. Phoenix, Amy Adams and Scarlett Johansson, who is that system's voice and soul.
Best Companies rank: 7
The world got by in 2013 with fewer confidence-shaking moments than in prior years. But the vulnerabilities haven't disappeared. 'It's not a great story anywhere, though it's more hopeful than it has been,' said Jerry Webman, chief economist at OppenheimerFunds.
30岁的阿什莉·格林汉姆是首位跻身收入榜单的大码模特,她通过自己的内衣和泳衣品牌代言合同赚得550万美元,排在榜单的第十位。

"According to our survey last year, only 0.6 to 0.7 percent of students at universities were thinking about starting their own companies. The number among vocational school students was as high as 2.2 percent. However, the idea of vocational students starting businesses is related more to creating jobs for themselves, and the majority of them have chosen to have online shops."
Company: Project Frog
infinite
Zhu Xueqin, an NPC deputy and migrant worker from Shanghai.

A separate Caixin PMI tracking growth in China’s services sector is slated for release on Tuesday.
slew是slow慢慢聚集的
"Sure, there are only whites in the stadium. It comes down to money," said Ana Beatriz Ferreira, a 27-year-old parking attendant in Rio de Janeiro, who is black. "Nobody I know could find affordable tickets."
adj. 全球性的,全世界的,球状的,全局的

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

That's part of the logic, anyway, behind the unlikely candidacy of Ethan Sonneborn, a 13-year-old running for governor of Vermont, one of just two states with no minimum age requirement for the office.
单词pilot 联想记忆:

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.

Wishing you all the happiness of the holiday season.
Lots of managers recalled extreme etiquette errors. The applicant
买securities很不security(n 安全)
教育部也已采取了一些措施,例如取消考试成绩、将作弊行为记入个人档案中。

科派斯塔克表示,东京回归榜首并不让人惊讶,因为东京的高工资推动了物价的上涨,房价和房租也很昂贵。
The TV version premiered on Jan 30 and starred two popular actresses, Yang Mi and Dilraba. It is about a fairy’s romance with a god in their three different lives.
1. “Timbuktu”(Abderrahmane Sissako)

他赢得了名动词奖,而其姐妹奖,最佳动词名词化奖,则由另一位顾问凭借这句“全球联络”(global touch-base)摘得。
连续4年以来,排行榜前5名的位置都被相同的五个跨洲EMBA项目所占据。Tiemba项目今年能够荣登榜首,不是因为它比竞争对手表现得异常优秀,而是得益于在大多数指标上的强劲表现。尤其是,该项目学员的平均薪资(32.4万美元)排名第二,仅次于凯洛格-香港科大(Kellogg-HKUST)EMBA项目的学员(40.8万美元)。Tiemba项目在职业晋升方面也位居第二,在工作经验方面排名第四。

判断权在你手里。
If You're Unemployed:
That is changing. One big 2013 move for benchmark Brent crude came in August, when international intervention in Syria seemed increasingly likely. But while the price of Brent, which is traded on London's IntercontinentalExchange, did rise by 5% on the threat of U.S.-led airstrikes, it didn't come close to the 2013 high.

ef出,fect做-做出来的效果
两次发生在洛杉矶的反抗时间之旅。两次对女人之间时而棘手的团结的赞颂。四位演员的精彩表演,来自吉塔娜·基基·罗德里格斯(Kitana Kiki Rodriguez)、米娅·泰勒(Mya Taylor)、茱莉亚·加纳,以及了不起的莉莉·汤姆林。《与外婆同行》是制片公司资深导演的作品,《橘色》是用iPhone手机拍摄。任何哀悼电影已死的人,都应该闭上嘴巴,看看这两部影片。
"As robotics is expanding into nearly every industry, Chinese robot makers should realize the gap between them and foreign brands, take advantage of China's robotics development boom and learn from foreign experience to help China grow from the world's largest robot market into a robot manufacturing power," said Qu.
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。

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.

The actor - who is heavily tipped for his first Oscar this year - won the gong for best actor in a film drama for his role in The Revenant, beating rivals including Eddie Redmayne who was nominated for The Danish Girl.
欧盟正明确表现出,它希望利用美国在贸易上领导力的空缺来敲定新的贸易协议。欧盟在拉丁美洲与南方共同市场(Mercosur)的谈判时断时续,已经进行了10多年。但欧盟和阿根廷等南方共同市场的关键成员国正推动在今年年底前达成一项协议。这将成为一项重要声明,正好杵在美国的后院内。
12306.cn, China's official website for purchasing railway tickets, has become the largest of this kind in the world, with combined sales reaching 3.5 billion in 2017.

"Producer prices remain in deflation because of falling commodity prices," said Moody's Analytics before the report.
大多数专业顾问(包括我在内)都会对其客户大力鼓吹全球化多元投资组合的好处,然而,在12月看来,残酷的现实是2014年更像是个平局,而非大获全胜。事实上,上周摩根士丹利资本国际全球指数同比仅上涨了2%,而摩根士丹利资本新兴市场指数(MSCI Emerging Markets)和追踪美国以外发达国家市场的EAFE指数双双下跌了近5%。具有讽刺意味的是,除美国以外全球唯一一个表现上佳的市场——中国大陆股市的上证综指(上涨了45%),也是唯一一个美国投资者无法进入的市场。
It was last above 50 - the threshold separating contraction from expansion - in February.
4. Fruit Mold
In a close second was Changsha, capital of Hunan province, with growth of 4.5.

分析师们表示,未来几个月整体进口数据可能开始好转,因为大宗商品价格下跌在2014年底尤为显著,这将意味着按价值计算的中国进口同比降幅较小。
Meanwhile the services PMI reading for the month was 51.2. It had been 52 in October. The manufacturing PMI, reported earlier this week, came in at 48.6 in November, versus expectations of 48.3. It had been 48.3 in October
Hanging on the coat tails of Ronaldo and Messi are NBA star LeBron James (pound 53 million) and tennis player Roger Federer (pound 46 million).
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愿你所有的新年想都成真!
Peace and love for you at New Year from all your students.

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

They're the top three most unaffordable housing markets in the world, according to the 13th Annual Demographia International Housing Affordability Survey: 2017, published recently.
据行业估计,到2020年,我国年度票房有望达到1000亿元人民币。
路透社(Reuters)以中国国家统计局发布的70个大中城市的数据为基础,计算得出的加权平均值显示,新建住宅均价同比上涨12.6%,涨幅较10月份仅高了0.3个百分点,而前几个月经常一下子出现一两个百分点的跃升。
Led by Letv, Anbang and Eastmoney, 26 newcomers are on the list; 70 percent are privately held. Mi was the fastest riser, with its value shooting up fivefold year-on-year, to come in at $7.3 billion, followed by TCL and Huawei.

Some 930,000 people sat the National Public Servant Exam in China on Nov. 29 last year, a 60,000 decrease year on year. But the 27,000 positions on offer was a new high.
The paper quoted a number of students from the incoming class, who had a range of responses, including two who said it was the right approach to withdraw the offers. "I do not know how those offensive images could be defended," one student said.

蒙塔纳里表示:“澳大利亚表现突出,它在从佣金模式转为收费模式后蓬勃发展。这将是一件改变亚洲ETF市场游戏规则的事情。”
Regardless of whether or not you think Snapchat is worth the $3 billion Facebook offered it, one thing is clear: There's an appetite out there for so-called ephemeral networks, where content literally vanishes seconds after being received. And, contrary to popular perception, this isn't just about sexting and X-rated selfies (though it definitely is about that, too). As content on the major networks becomes more corporate and commoditized, Snapchat and services like it restore some of the fun and spontaneity to social media. Just like a real-life interaction -- where ideas flow freely and you generally don't worry about everything being recorded for posterity and broadcast to the world -- SnapChat and networks like it offer a channel for genuine, unfiltered exchange. And the kids really like it. While Facebook's own CFO officially acknowledged last month that teen use of his network is declining, the number of teens on SnapChat -- at least anecdotally -- is exploding.
1. Choosing a job based on compensation alone
China is committed to denuclearization of the Korean Peninsula, the peace and stability in the Korean Peninsula, and resolving issues through dialogue and consultation. That is China’s consistent and clear-cut position.
只剩下空洞的形式。所以,借鉴这些熟悉的形式看似稳妥,实际上并非如此。它是空洞的,可以被丢弃,所以,60年代的风格一直被认为是一股“潮流”——“潮流”暗含的意思是,在某一时刻它将“终结”。虽然“终结”尚未到来。