<prompt> Human: Ive been fortunate enough that I had always been able to pay my visa in full until last month. Due to a trip my visa was high and I could pay it in full but I would have had to move some funds around. Instead I paid 90 the owing amount and decided to take the interest hit on the remainder. The interest would have been around 20 from my estimate.Apparently thats not how credit cards work at all. They charged me interest on the FULL amount even though I had paid 90 of it within the due period.I got furious and decided to shop around and found out this is the industry standard. The interest free grace period only applies if you make the FULL payment. Even if youre only 0.01 short theyll charge you interest on the full balance.This is why Credit cards are a trap if you dont pay them off every month.Avoid my mistake.TL;DR: even if youre only 0.01 short on your balance owing on your credit card youll get hit with interest on the FULL amount. Avoid my mistake.Assistant: Just had another thread on this earlier this afternoon.Some cards calculate interest based on the remaining unpaid balance.Other cards calculate interest based on the daily average balance for that billing period.Human: Im in Canada and I read through at least four banks terms and they all seem to be the same. If anyone can recommend a different bank Ill switch immediately.  <response>: How long have you had the card? I called up my credit card company after I accidentally went over the credit limit once and they waived the 30 overdraft charge no problem I was on the road and living out of hotels, I had the money but no time in between work and other stuff to log into my bank account and pay off the bill. See if theyll at least split the difference or work with you on lowering the charges. 