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How to calculate the finance charge on a credit card balance
Know what a finance charge is.
Credit card terms can be confusing to navigate for many, so understand what a finance charge is and how it affects you.
A finance charge is what allows credit card companies and lenders to make a profit off of you.
It's more or less a fee charged for the use of your credit card. Finance charges on credit cards, mortgages and car loans have ranges that depend on a borrower's credit score.