Interest charge for Apple Card if you pay late

That is known as ghost interest or residual interest. You can search it on internet.

When you missed/late payed the month, that triggered the loss of your >Interest free Grace Period<. Interest started incurring on all past unpaid charges and current charges the instant you were late. When you paid in full the following month you were still be charged interest until the total account balance was paid.

Goldman Sachs permits up to 5 electronic payments per day. That’s about 150 payments a month. If you’re having issues remembering your payments, either set up scheduled payment (auto payments) or pay multiple times a month and don’t wait until the last day.

How to make Apple Card payments - Apple Support

https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

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Just an FYI, Apple Card does not charge interest or late fees.

I’m absolutely sure, if you’re paying the Statement Balance or Account Balance by the due date (last day of month). So, were you paying just the minimum due for a few months or what? If you pay your statement in full every month, there’s no interest.

I paid my balance in full yesterday and even have a screenshot showing that I could not make any more payments - even if I wanted to.

Typically, I pay the previous month's balance in full every month (ie. December Spending on the last day of January)

Where I'm currently at...

• I missed a payment on December 31st for my November balance (It was an accident given NYE).
  • I was given an interest charge and I totally understand why - it was roughly $75
• I then paid in full my November Balance, my new spending in December, and my new spending in January by January 31st
  • I was given another interest charge for roughly $50 BUT I am not sure why I'm being charged this interest charge.

If I paid my bull in full and literally could not pay any more money why I am receiving this second interest charge.

Are you sure that is accurate? I was charged an interest fee today and am beyond irritated about it given that I paid my full balance in January.