请教信用卡CATCH UP利息计算的规矩.

[LostRabbit]

我在CITIBANK 的MASTER CARD的DEC2005的帐单,原来是应该在2006年1月22 DUE,我在INTERNET付款时,由于技术原因填错了,使我的DEC2005的帐单给错过了.

所以在JAN2006的帐单中,就有一项利息INTEREST(比如$3.5),新的PURCHASE $50,旧的DEC2005错过的帐单$200.

JAN2006的TOTAL NEW BALANCE是
$3.5+50+200= $253.5 DUE DATE是FEB 17,2006

想到赶紧把欠款付清,我在FEB3,2006就把上面TOTAL NEW BALANCE全付了,心想下个月应该CLEAN了.

最近我收到FEB2006的帐单,结果又有$3.98的INTEREST,非常让我困惑,按理说,我DEC2005 MISS的帐单的利息已经在JAN2006的帐单上反映出来了,我在DUE DATE前两周付清了,怎么还有INTEREST?

我给CITIBANK MASTERCARD打了电话,她们给我解释说MISS PAYMENT的INTEREST要化两个月的时间CATCH UP. 我以前也曾经MISS过别的帐单象电话公司,其他信用卡之类的,一般INTEREST只CHARGE一次,如果我付清MISS后的第一次帐单,不会有第二次INTEREST.

请问在财经方面工作的高手看看,你们那里是什么规矩?

INTEREST CATCH UP两次很不合理啊,信用卡公司是否在呼悠我哪.

 

[他山之石]

Nothing wrong here:

The first interest is caculated upto the date they issue the first bill.
The second interest is caculated based on the dates between the date they issue the first bill and the date you pay the first bill.

 

[ottawax]

Read the fine print

That is the common practice of Credit card company. Everything is in the fine print. a lot of us leant this the hard way as you did. good luck next time!