Interest charged for unsuccessful payment and unpaid portion from last month's statement
I have never had this issue before but with apple credit card, I was surprised at these issues
1) I made a payment on 29th of the Oct but transaction from my bank did not go through (email received on 11/2 about this) and I paid it on Nov 2nd through making a phone call to the customer center. When I called them, they said they do not charge late fee/interests but they did. I had enough money in my account but they said it was my first transaction for the apple card and it was more than $2000 so that might be the reason why the transaction did not go through.
2) In November, I paid whatever left on my account (October balance or card balance) with the pull-down menu on a apple card website before the due date. However, I paid $40 less than I actually spent (of course I did not notice when I paid). SO, they charged me interest from the previous cycle. Since I used this CC only for the past 3 months, I calculated how much I spent and and paid from the first month, and I realized I paid $40 less than what I spent in Nov and they charged me this $40 and its interest on current cycle. I am pretty sure I picked one of the balance amount from the pull-down menu.
When I opened the account, the promotion said no late? fee with this CC. Although I did not pay on time as a result, unsuccessful payment was because of system issue and I did not get the instant response from my chase bank.
I called them and I am still waiting for their reply to see if they can dispute my interests. I never had this issue with any other CC. Now I am thinking of cancelling this card.
Is there anyone who has a same issue as me?
iPhone 8, iOS 16