Capital One Interest keeps reporting after statement closes!! Irritating.

[Anonymous]

call and ask for your closing date. That is when your statement cuts. Pay before that date and no interest should be charged. I always leave 20 dollars on my FHB card and they never charge me interest. I max my card every month and pay before closing. idk why i don't get charged interest. Anyone know? I had the card for 3years. I notice interest is only charged if i make new purchases and leave a huge balance. For about 5 -6months I have been leaving 1-5% utilization. Testing for score purposes.

[Anonymous]

Also, if you play dumb and go online chat and inquire why you are being charged interest the next month, they will typically credit the interest amount to your account. The rep I had last time had to transfer me to another higher rep, but the process only took about 5 minutes.   The last time II did it they also "reset" my grace period, so if I did charge something that month there would be no carryover interest.