I guess I'm an idiot......

[Goldeneagle]

Last month I paid off both credit cards in full. Both checks cleared my bank on 9-30. Yesterday I got a bill from US Bank. It showed previous balance and the payment I made. Got to the bottom and I owe $96 interest and a $30 fee. How do you get $96 interest on $0 balance? There is probably something I'm missing here. What?

[MasonCo.]

I’m guessing good old APR interest got you.


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[mikemorvan]

When was the end of the statement period? Could the checks have cleared after the end of the statement period?

[Outback]

Congrats on paying off your cards!

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[Goldeneagle]

When was the end of the statement period? Could the checks have cleared after the end of the statement period?

This is what I'm thinking now that I have calmed down and thought about it. I'm going to look at the account online when I get home. Didn't have time yesterday. They don't have branches and I'm tired of dealing with stuff online or over the phone. Been doing that for 2 months now. I would like to talk to someone face to face for once.

[flywise]

When was the end of the statement period? Could the checks have cleared after the end of the statement period?

Probably this

[scott1022]

The few times that I've missed the payment deadline on a credit card, I called the company up and asked them to remove the interest based on my clean payment history. I think that I've had to do that 2-3 times over the past 20+ years and they always took the late payment and interest off. So I would try calling them with a little sweet talk and see where it gets you. I know you are tired of talking on the phone, but a phone call might save you $126.

[Buckshot4900]

Randy, call the 800 number on the statement and they’ll explain every detail. I had the same thing happen with them when I paid off my camper early.
They’re actually pretty pleasant to talk to.


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[highspeed]

The few times that I've missed the payment deadline on a credit card, I called the company up and asked them to remove the interest based on my clean payment history. I think that I've had to do that 2-3 times over the past 20+ years and they always took the late payment and interest off. So I would try calling them with a little sweet talk and see where it gets you. I know you are tired of talking on the phone, but a phone call might save you $126.

This! You catch more flies with sugar...

[Goldeneagle]

Randy, call the 800 number on the statement and they’ll explain every detail. I had the same thing happen with them when I paid off my camper early.
They’re actually pretty pleasant to talk to.


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I've talked to so many people over the last two months that I can almost speak Pakistani as good as they can.

[Buckshot4900]

I've talked to so many people over the last two months that I can almost speak Pakistani as good as they can.

That may be your problem, you’re speaking the wrong lingo[emoji51]


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[Chew]

Whatever you tell them, don't say "May the fleas of a thousand camels infest your nether regions". Don't ask me how I know.

[Fused11C]

the good ol usery and banking system.

[Goldeneagle]

Whatever you tell them, don't say "May the fleas of a thousand camels infest your nether regions". Don't ask me how I know.

Yeah, they don't like "Your mother has sex with pigs." either.

[stickemhard3]

Be prepared for annual fees to hit next.