• I'm a relative credit card newb so wonder if someone here can help.

    To avoid paying interest do I have to pay the balance off within a certain number of days from the transaction date or the credit card billing date?

    Put about £600 of hotels on my card (as it has no foreign transaction fee and hotels are abroad) and my wife gave me half which I went to the bank (Santander) and paid over the counter without issue. I've just logged on to pay the remainder from my debit card and it won't let me, I get a message saying

    "You can only make payments up to the value of your outstanding balance + £100. Please choose a lower payment amount".

  • Each credit card provider is different but for all the cards I currently have, you have a statement period, which is the period in which you make transactions, once that ends a statement is delivered either by post or online, and on that you’re given a date which it is due. You have to pay before the end of that day to not accrue interest. Weirdly I pay by direct debit and the date of payment always seems to be 2-3 days after the payment due date but I incur no interest or penalty.

    It sounds like you’re trying to pay more than the balance on the card.

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