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As I have home loan now, which interest is calculated daily. Then, credit card repayment is a problem now, I would like to pay the credit card at last minute, but I realize even my credit card has 55 days interest free, I still need to pay the closing balance each month. Does my understanding is right according to the following explanation, which is from bank.
“If your card has an ‘interest free day’ clause (check your pre contractual statement or your conditions of use) then you will qualify for interest free use so long as you pay the entire closing balance of each monthly statement before the due date shown on the statement. If you pay less than the full closing balance as shown on the statement you will incur interest charges in accord with the conditions of use. If you short pay one time, you usually need to pay the full balance for two consecutive months before your account will be interest free again.”
Please help, and thanks in advance! |
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