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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.

Kunis was No. 9 on FHM's list last year.
土耳其部长们近来一直在欧洲各地的土耳其社区举行集会,以争取海外土耳其人对埃尔多安发起的宪法改革的支持——土耳其将于下个月就修宪举行公投。

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

然而,《秦时明月丽人心》并不能让更喜欢真实历史而非虚构故事的观众满意,该剧豆瓣评分仅为4.9分。

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

Hope you enjoy the happiness of New Year and all the trimmings.祝你享尽新年佳节的快乐和新年的礼品。

n. 名人,名誉,社会名流
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。
"The articles were submitted with reviewer suggestions, which had real researcher names but fabricated email addresses," Peter Butler, editorial director for cell biology and biochemistry at Springer Nature, told Shanghai-based news website The Paper.
40万美元对于他们来说可谓九牛一毛——2015年,希拉里和她的丈夫比尔?克林顿主要通过演讲和版税收入赚得了1060万美元,特朗普也声称自己赚得将近5600万美元。
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The Magic have bounced between average and bad, and they're currently on a downswing. Now Aaron Gordon and Nikola Vucevic are coming off the bench and Mario Hezonja is buried.

The eighth grader's candidacy is also about overcoming age discrimination, which he sees as a barrier to equality, and he says his quest for the top state spot is no joke.
But the 3D version of the mascot image failed to dodge bullets, as critical netizens sneered at this version: "Reminds me of green and red lights." "Lost all the flair of that ink painting" "What are those balls under its ears?" "It is so ugly that I just want to cry."
The company advises consumers or businesses using any of the passwords on the list to change them immediately. Splashdata warned that even passwords with common substitutions like "dr4mat1c" can be vulnerable to attackers' increasingly sophisticated technology.
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。

希萨柯既是一位不可或缺的政治导演,也是当代电影中的伟大诗人之一。他为北部马里圣战者管辖之下的生活所绘的图像既残酷又惊人,但也温柔、慷慨儿惊人的有趣。希萨柯并没有把暴力极端分子人性化,而是展示出,他们已经成了这种人,也反映出我们身上普遍的、悲剧的天性。但他的影片还坚持认为,反对狂热主义,唯一有效而且道德的方式就是人道主义。他以反讽而正直的方式言说了这一观点,或许最重要的是,以艺术的方式言说了这一观点。
投资者也关注到了本田的这一困境。尽管在席卷全球的金融危机中,本田是全球少数几家能独善其身、避免严重亏损的汽车厂商之一,但在过去几年中,其普通股股价下跌了17.2%,而同期日经225指数却上涨了7.4%,丰田汽车的股价也上涨了19.5%。
adj. 流行的,大众的,通俗的,受欢迎的
独裁者利用前者作为镇压的借口,利用后者要求绝对服从。

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

这份刊登在圣保罗报上的调查结果显示,在周六巴西和智利的比赛中,67%的现场观众称自己是白人,而90%的观众来自巴西两大顶尖经济阶层,约占全国人口的15%。
前国务卿希拉里回答道:"我将组建一个能够反映美国现状的内阁。而有半数美国人是女性。"

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.

We will work to ensure that our people have access to equitable and quality education.
有趣的是,“真诚的问候”(unfeigned regards)又重回我们的视野——人们现在可以在印度服务中心的邮件上见到这一18世纪末的流行语。而更胜一筹的是这个签名,一个周五我收到了一则消息,末尾处写到:“周末好”(weekend well)。我差点将最佳名词使动用法奖也颁给它,不料最后一刻却杀出一匹黑马,一位顾问无意中说了句:“我们能把那件事冷毛巾一下吗?”(Can we cold towel that?)
在不同产业和不同城市之间,年终奖的数额也有很大不同。金融机构的平均年终奖为1.72万元人民币,而教育部门年终奖则平均不到这一数额的一半,只有不足7500元人民币。
现在的假手除了具备手的外形外,几乎没有其他功能。当然,这些假手能够拿东西和保持身体平衡,但是它们缺乏人手最重要的功能之一——触感。装了假手的人在碰触到一样物品时,如果不用眼睛看,是没法判断东西的。

Li Xiaojin, a professor at Civil Aviation University of China's Economics and Management College, said that rapidly increasing numbers of flights and limited airspace for civil aviation are the major reasons for delays.
11月24日至25日,苏富比举办慕尼黑第四代交易商康拉德·伯恩海默(Konrad Bernheimer)的藏品拍卖会,他拥有历史悠久的伦敦科尔纳吉画廊(Colnaghi)。65岁的伯恩海默决定缩小自己的业务,关闭慕尼黑的画廊,卖掉巴伐利亚的豪华宅邸马尔库斯泰恩城堡(Marquartstein Castle),将科尔纳吉画廊与伦敦的Coll & Cortes画廊合并。
10. Deepika Padukone - $10 million

manifest显示,证明+o表名词,“人,物或状态”→宣言,声明
"The Chinese government, universities and investors have provided a friendly environment for young startups. However, the failure rate of fresh graduates founding startups is still too high due to the lack of experience, resources and networking," said Wang Yixin, a senior consultant at Zhaopin.

The most striking thing about the UK’s looming exit from the EU is how few details we still know about what Brexit will bring. And that it has been more than a year since the referendum.
"I want to tell you what happened I opened the envelope and it said Emma Stone, La La Land and that is why I took such a long look at Faye and at you. I wasn't trying to be funny. This is Moonlight for best picture," Beatty told the shocked crowd as he explained the blunder.
凸起那部分有个“涡卷饰品”——(古埃及碑上)在王和神的名字周围的椭圆形装饰。考古学家在上面发现有眼镜蛇一只眼的符号。

Local educational authorities have since revoked Zhengzhou Boqiang New Idea Life Training School's license and launched an investigation into its record. Hauntingly, the school's website remains online, replete with photos of students in camouflage uniforms performing drills and attending what the site labels "wonderful lectures."
2.The Tianjin Explosions
The contiguous United States set a temperature record in 2012, a year of scorching heat waves and drought. But, mostly because of the unusual chill in the East, 2014 was only the 34th warmest year on record for the lower 48 states.
Mr Williams notes that early November data from the likes of Brazil, Vietnam, Taiwan and Chile suggests the picture has continued to improve since October.

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.

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AdWords事实上是一个竞价排名系统,在支付费用之后,它会把客户的广告列在谷歌搜索结果和其他网站的靠前位置。只有当有人点击这些广告链接的时候,客户才需要支付费用。
除了印度,其他金砖国家——巴西,俄罗斯,中国和南非——也削减了对美国政府债券的持有。

仅在2001年,全球就约有55.7万人被谋杀。而到了2008年,这个数据就减少了28.9万人。如今,全球的谋杀率已经下降了75%。
马科斯卡瓦略是一名18岁的巴西球迷,本周早些时候,在巴西利亚国家体育馆闲逛的他表示:“我们甚至压根就没想过买票这事。门票太贵了,我们根本买不起,能做的也就是在家看看球了。我们看着去那些现场观战兴高采烈的人们,但我们自己却去不了,这真令人难过。”
Hope you enjoy the happiness of New Year and all the trimmings.祝你享尽新年佳节的快乐和新年的礼品。
日立数据系统:提升士气的狗狗节
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201001/93725.shtmlNews trumpedcelebrities in 2010 as the BP oil spill in the Gulf of Mexico and World Cup soccer in South Africa topped the list of most-searched items of 2010, according to Yahoo!
Airbnb的紧要关头
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5. The causes of hair loss and greying are linked, and for the first time, scientists have identified the cells responsible.

2.Nobody here can answer any questions you have about fencing. Google it.
v. 从事运

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

节目7 歌曲《春暖花开》,那英
The capital plans to move most of its municipal departments to the suburban district of Tongzhou in 2017, the Beijing Municipal Committee announced on Wednesday.
威尔·史密斯早年成名,那是上世纪80年代末90年代初,他做嘻哈组合"DJ爵士杰夫&活力王子"的后期成员时。然而,虽然他赚得盆满钵盈,却不善于管理金钱。这真是个老掉牙的故事。名望、金钱扑面而来;却没有远见,空有一堆玩物,最终导致超支。对财产的监管意识与责任感的缺失,让他从富有的顶峰一下跌到破产的边缘。没落之后,他欠政府的退缴税一直没能偿还。
感恩节当天,沃尔玛、塔吉特(Target)和Kmart等美国大型零售商都开门营业,以便借假日购物旺季大赚一笔。今年,沃尔玛开始营业的时间甚至比去年早了两个小时。但好市多拒绝加入“黑色星期五狂欢”,感恩节并没有开门营业。首席执行官克雷格杰利内克认为,给员工放一天假比提高公司利润更加重要。

《火线警探》,FX,1月20日。副警长瑞兰·吉文斯(Raylan Givens,蒂莫西·奥利芬特[Timothy Olyphant]饰)与他的朋友兼天敌博伊德·克劳达(Boyd Crowder,沃尔顿·戈金斯[Walton Goggins]饰)之间爱恨交织的关系贯穿了整部剧,不管怎样,这个问题将在第六季,也就是最终季中得到最终解决。
Skeptics of climate change have long argued that global warming stopped around 1998, when an unusually powerful El Ni?o produced the hottest year of the 20th century. Some politicians in Washington have seized on that claim to justify inaction on emissions.

年度最佳单曲:米兰达·兰伯特《Over You》
6. 米兰达·兰伯特(Miranda Lambert),《白金》(Platinum),RCA Nashville。兰伯特很快从坚强的新贵蜕变为光芒四射的乡村乐贵族,这张《白金》是她最好的专辑,她带着轻松的权威之感逾越了界限。专辑中伤感与世俗的情绪交替出现,修饰和粗粝的比例恰到好处,这张专辑让人们明白她有着强大的力量,向任何低估她实力的人发出挑战。
5.X-Men: Apocalypse
Anne-Sylvaine Chassany
adj. 独一无二的,独特的,稀罕的