<prompt> Human: Im writing this on behalf of my nanna and would appreciate any advice. My nan has a capital one credit card which she uses for everything, then pays off before interest is applied. The date it has to be paid is the 28th of each month. She had to pay off 850 but only had 800 available on the 26th july, her pensions went in on the 29th so she couldnt pay the full amount off for the 28th. She figured no problem, the interest on the 50 would be nothing to bother about. She paid off the remainder of what she owed for the month of July when she got her pension on the 29th. Jump to 3rd August when she gets her statement to see that on the 12nd August she is charged 25 interest. After reading through her agreement it says they charge interest on the full amount borrowed in the month, not on what youve got left to pay.Ive never had a credit card and this is her first so is this the normal way interest is applied?, because we both think its bollocks, especially as the interest was billed after shed paid the rest off. Any information on this is appreciated, even more so if you have any way of her not having to pay :P .  <response>: That is normal. 