Monthly interest charge

Ara1985

I guess because the statement is 10-10 of the month the 10 October statement is from 10 Sep-10 October then it goes into the November statement so the payment was made after that but bit misleading to say payment due by 4 November! Or maybe not but I paid according to what I understood as per the amounts and dates given on the app.

eskbanker

Any credit card statement will always start with the previous month's balance and then show all subsequent payments and transactions to derive the closing balance.

The calculation of the interest charge will be based on the fact that you owed them £8133 from early October (9th?) up to the 29th, plus £153 from then up to 1 November and then £330 up to 9 November. The only way of avoiding interest would be to have paid the full £8133 before 4 November.

No idea what happened with the app, but unless you have screenshots that back up your view that you were erroneously shown the account being in credit then realistically you have no chance of convincing them of that!