<prompt> Human: So Im a retard and I started using a Discover card Id stuck in a drawer after I paid it off a year ago. They sent me a new one, I could have sworn it was 0 APR until 2018, but a month ago I realized it was charging me interest ever since I started using it. I easily have the money to pay off the balance, and its maddening because I had it the whole time. Balance is 3500 -- 500 of which is interest. I called and explained this to them, and they gave me last months interest of 80 bucks back, and pushed the next payment date a month further. I had to go back to work and didnt try to push them for more, but now I want to. Whats my best course of action here? Pay the 3k, then call and ask if theyll eat the interest? Act like I cant afford to pay, and once they eat the interest, pay the card? I know this is stupid smallball bullshit for this sub, but any help would be appreciated -- thanks guys.  <response>: they gave me last months interest of 80 bucks backThis it a lot more than I would have expected. Pay the card off ASAP and consider it a lesson learned. 