Ooooh! I am so mad .... let me explain. I have not used my credit card for ages and so when we went to Canada I paid for the flights using it.
I emailed the credit card company to tell them that I would be out of the country until the 7th July and they acknowledged that email.
Then once the fights had been added to the card I paid the bulk of it off early and emailed them again explaining that I had done this to save any fees. That was also acknowledged.
Then when I got back I had a bill for the rest of the money so I rang them ... and I asked the woman for the exact figure to clear the card back to zero again and she gave it to me.
So I instantly paid it over the phone and asked was that the account now cleared and she said ... "Yes it was now back to zero". I wrote on the statement ... "Paid in Full" .... and patted myself on the back.
Today I have had a statement telling me that there is an interest charge .... so I have been back on the phone again very, very angry.
I asked how could there be an interest charge on a zero balance????
Apparently the interest is calculated in advance on the next statement and because I had paid it early the interest had been
reduced but still added to the zero balance..... Er what!!!
I was not a happy bunny... I was being penalised for having paid off my account early.
Off she went to see what she could do ... and came back telling me that the sum had been removed and that the acount WAS now cleared.
And the moral to this story is ... don't be good and pay your cards off early .... wait for the bill and make them wait till the last week ... but avoiding any late fees ... before you settle it.
Rant over .... back to cards tomorrow
Hugs xx