In November, I paid a CitiCard credit card balance in full before the due date. The next month I received a a statement that showed I owed $28 in finance charges. I had a $0 balance and there was no late fees or other balances owed. It seems that CitiCards keep adding interest to your balance after they send out your monthly statement and it keeps adding up until they get your payment. They then add that to the next month's balance. That makes it nearly impossible to carry a $0 balance on their credit cards.
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