[header] How to avoid finance charges on credit cards [title] Pay off your balance at the end of every billing cycle. [step] The most straight-forward way to avoid charges on the balance of your credit card is to pay it off in full at the end of each billing cycle. Paying off the whole balance by the due date on your bill will mean that you do not incur any additional finance charges on the balance. 
[substeps] Paying the balance of on time will also help your credit rating improve over time. [title] Determine if you have a grace period.