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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.

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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

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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

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西安咸阳国际机场的准点率为82.3%,在国内所有机场中位居第一。
It was the second weekend in a row that Venezuela's socialist government opened the long-closed border with Colombia and by 6 a.m. Sunday a line of would-be shoppers snaked through the entire town of San Antonio del Tachira. Some had traveled in chartered buses from cities 10 hours away.

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

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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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No one in Detroit has forgotten the snowstorm of 1999, when airplanes were mired for hours on the tarmac at Detroit Metropolitan International Airport. Likewise, US Airways encountered its own holiday mishap in 2004-05, when more than 72, 000 bags were lost or damaged.
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These are the major winners of the 68th annual Primetime Emmy Awards. Additional winners are listed at emmys.com.

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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The work of Alvin Roth and Lloyd Shapley has sparked a "flourishing field of research" and helped improve the performance of many markets, the Royal Swedish Academy of Sciences said.

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它还体现在詹巴蒂斯塔·瓦利(Giambattista Valli)最近的秋冬时装秀上,那场时装秀中充满泡泡袖印花长款衬衫和配套裤子,以及低腰直筒女学生连衣裙;还体现在麦丝玛拉(MaxMara)向乔治·巴里斯(George Barris)1962年为玛丽莲·梦露(Marilyn Monroe)拍摄的照片致敬的系列。

After Peking University, known as Bei Da, and Tsinghua University, the next highest-placed Chinese university is the University of Science and Technology of China at 15, Fudan University at 16, Shanghai Jiao Tong University at 18 and Zhejiang University at 19 in the top 20.
There's a crucial element in team building called planning that often seems to elude those franchises that are stuck in the mud.

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

Consumer and producer prices are still either muted or in deflationary territory in China – but last month marked something of an uptick for each.
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Take solid and effective steps to cut overcapacity
网络游戏成了中国的重要行业。北京第三方数据分析公司Cnzz.com新公布的报告预计,2012年中国网络游戏市场规模将达到人民币410亿元(合60亿美元),占据全球网游市场的半壁江山。

An EMBA also boosts corporate careers. “The skills I acquired were key to my promotion,” said one graduate. A fifth are now chief executives, managing directors or board members three years after graduation. Average salaries were up 52 per cent from $114,000 before the programme to $175,000 five years later.
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They boast two of the biggest fan bases in the world.But it was Shawn Mendes who reigned supreme during the 2017 Europe Music Awards 2017, held inside London's SSE Arena, Wembley, on Sunday night, as Taylor Swift lost out in all five of her categories.