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credit card bill after closing account and paying off balance!!

i've just received a bill (including late fee payment) from my old credit card , which i cancelled 2 months ago when paying off all credit on it. Although it doesn't amount to too much i'm pretty annoyed about it. Should i just send them a cheque or not? I have a letter from them confirming the closing of account 2 months ago!! How can this be?! Any advice re. matter appreciated.


  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    It'll be trailing interest, so perfectly valid.

    Does this mean you didn't check the next month's statements, and that's why you missed the payment?

    Whatever you do, don't make it worse by not paying again.
  • onlypaddy
    onlypaddy Posts: 991 Forumite
    Debt-free and Proud!
    it is standard practice for credit card accounts to remain open for at least 3 months after the 'closure' date. This is so that all interest and fees are paid, as well as allowing for any late payments to go through.
    Debts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;
    Debts as of May 28th 2011:
    Santander CC: £0.00
    Lloyds OD : £0.00
    DFW Nerd #1247 - Proudly dealt with my Debts :D Olympic 2012 Challenge #12
  • chattychappy
    chattychappy Posts: 7,302 Forumite
    Also bear in mind any continuous payment authorities you signed - eg card insurances etc. These WON'T automatically be killed by your cancelling the card unless you cancel the underlying authority you gave with the merchant concerned. Else they could bring the account back to life. Do keep checking any statements you receive and update the CC with any changes of address.
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