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I am so excited that I just paid off my NextCard balance (the worst credit card I have ever had!). The problem is I just got a bill for an additional $45 in finance charges. I looked on my statement and it clearly states that to avoid additional finance charges to pay the balance off by the due date. I did this so how can they still charge me? Also I appologize if this has been answered before. I am new and when I looked I didn't find anything.

It sounds like you've been carrying a balance on NextCard. If that's the case, the "grace period" (no finance charges as long as balance is paid by due date) doesn't apply -- the grace period, for old & new charges, disappears as soon as you carry any portion of a balance from one month to the next. So they can still charge you interest up to the day when you paid the balance off.

Congrats on dumping NextCard!

Tanaquil
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