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Credit card finance charges are the interest fees due each month if you carry a balance.
Finance charges allow lenders to make a profit on the use of their money. Finance charges for commoditized credit services like car loans, mortgages and credit cards have known ranges and will depend most on the credit-worthiness of the person looking to borrow.
Regulations exist in many countries that limit the maximum finance charge assessed on a given type of credit - but many of the limits still allow for predatory lending practices, where finance charges can amount to 25% or more annually.
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