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[[Paid in full means paid in full, with no phantom interest
charges added later!]]

Check out one more detail, since this recently happened to me on the final payment I made as I cleared my CC debt. On the next to last billing, you had a balance of say $600. If the effective interest was 10%, then the interest charge was (approximately ) $50. The $50 is what you included in your (supposedly) final payment of $650. BUT... you received your statement some days after the end of the billing cycle (mailing interval) then maybe delayed a few days before mailing the final payment. These days attracted further interest charges, maybe about equal to 1/2 of one month's interest. This was the other $25 or so you were charged on the phantom billing. Though you might MAYBE get the charge canceled if you call and get steamed, I doubt it, because the $25 was a legit calculation based on the real average balance over the last few days. Good luck.

Been there, done that, got the merit badge.

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