I paid off my balance of the last billing cycle. I have been carrying balance previously and wasn't able to pay off my debt. Last month I have extra money so I decided to pay off one of the credit cards with Capitalone. I haven't used my card since I finish paying it off last month and to my surprise, I saw an interest charge of 38.23 on the card. I called them and their explanation is that the last balance bill doesn't include the interest rate charges on the month. I have always under the impression is that last balance is what I owe the CC. Sounds like they are trying to squeeze one last interest payment before I'm out of the debt. Please help me resolve this predatory lending that's hitting us especially during this difficult time.