|
Your title is click bait because you leave out the important detail until the end of your story; that you had a balance transfer. Then you've omitted the terms of the balance transfer (is it interest free for a period of time, what are the rules for paying it off, etc).
So you've missed some fine print that said something about how payments in excess of statement billing pay down the balance transfer, and it sounds like that caused you to carry a statement balance beyond the grace period.
All of that would be avoided if you'd do your banking online (do it between Youtube videos) and set automatic payments up, and observe the current charges (you don't need a paper statement to see those).
I know it's frustrating, but you've learned something here. Consider that a cheap lesson.
|