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I recently paid off a card and had this happen. After sending in the amount they said was the payoff figure I got a statement for about $30 in finance charges. When I called to see what was going on I got the two cycle billing deal. I told them that I called for a payoff figure and was given one and had sent that amount and that extra $30 was nowhere mentioned so I didn't feel I should have to pay it if they can't give me correct information. Surprisingly they took it off and the account is now $0 and closed.

Wolfshead
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