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Hi All,

I have never carried CC debt (though I use CCs regularly), so I have never bothered to find out how the interest works.
Two months back, I forgot to post the bill on time. It reached them, maybe a couple of days after the due date. Its my fault and I paid the bill and the charges(and some extra too - don't remember why - maybe there was a return).

So, come the next month, we had a credit on our bill AND some more finance charges!! I don't know how they can charge us interest on a negative amount. Before calling them, I want to understand what they are trying to pull on us and if it is legitimate.

thanks
b8.
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