On the 23rd of last month, we paid off our entire $1500 balance and closed our Visa credit card we had with Target. I was told over the phone that I was paying off the entire balance.
We got a bill in the mail for $20 something dollars and I called and spoke to customer service who "explained" to me that interest charges are assessed every 16th of the month. I was confused about why that would have mattered since I paid off the entire balance on the 23rd, after interest charges had already been assessed. She continued to explain things in ways that seemed contradictory. Maybe I'm just more of a credit moron than I thought before, but I still did not understand why I owed them this extra money. She then said that the person I spoke to when I called should have told me about everything and because she didn't she would remove the balance. I verified that we had a $0 balance, thanked her, and hung up. This was weeks ago..
We just got a bill from Target indicating that we still owe them the $20 something dollar balance! I really hate credit card companies. Now I'm sure I'll call them and none of the what the previous woman did will show up in our file. Any advice?
