你PAY请了BALANCE了么？

不过BOA有一点要注意，超过2次晚PAY或者透支了，会提高很多APR，号称是PENALTY APR

迟了之后你的grace period的就没有了，一旦charge在你的信用卡上马上就subject to interest, 所以导致你这个cycle还有finance charge，如果你不是在due date之前付清所有的balance包括new charge以及可能的interest,那么你的下一个statement上还会有finance charge,不过你现在的已经免掉了，我就不太sure回事怎么样的情况，你最好问问还有没有grace period，实在不行，这张卡暂时不用，等到新的账单到，make sure了之后再用，不然这样循环就没有止境了

Depending on situations, maybe it is this situation:

You logon and see that the balance is 1000$, for example.

So you paid 1000$.

But since it already started accumulate fiance charge, the actually charge is not reflected on the online. It will only be calculated at the billing time. So there is till, for example 25$ charge even after you paid the 1000$.

But if they say there will have more charge, then I am not sure. :-(

oh, I think of one possible thing:

Did you asked them you grace period on the card?

Normally, it is 20 days, so we do not pay finance charge.

This happens to me on my BankOne (now Chase) visa card. I did nothing wrong, but someday, I got a letter, saying that the grace period is removed! (the letter looks like a spam mail, so you may not easily figure it out). In this sense, they will charge me EACH month for EACH transaction -- it does not matter whether I pay my bill on time or not. If it is this case, either ask them to add the 20 day grace period in, or just do not use the card (after paid everything).