Aqua Credit Card-Help please

grumbler

MFK wrote: »

...The trick is to phone them before you pay the final statement and get them to guestimate how much more interest you need to pay off in order to be sure you will have paid the debt in full....

'guestimate' and 'be sure' don't marry.

Either put the card in small credit credit before closing or, after putting it in credit, wait for a while, make a purchase and pay the balance in full.

Hooloovoo

grumbler wrote: »

Either put the card in small credit credit before closing or, after putting it in credit, wait for a while, make a purchase and pay the balance in full.

Or better still just keep paying the full balance until the next statement says zero payable. Then wait another twelve months at least before actually "closing" the card.

Of course none of that explains why the OP stopped using the card in 2012 November, and Aqua didn't ask for another payment until eight months later in 2013 July.

It can't be rolling interest. It must be either a (very) late processing payment, or a continuous-payment-authority that was not cancelled when the OP stopped using the card.