Unexpected bills despite fully paid on Apple Wallet

I closed my Apple wallet card . Paid in full. Received a email /bill saying I owe money .. The card has been deleted


[Re-Titled by Moderator]

Original Title: I closed my account -paid it off. sent a notice of payment required . I

iPhone 12, iOS 18

Posted on Sep 30, 2025 5:21 PM

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Posted on Oct 1, 2025 11:17 AM

Were you paying interest on your account or were you paying the balance in full each month? If you were paying just a portion of the statement balance (such as the minimum due) and were being charged interest, you have residual (ghost interest) due.


Interest on credit card accounts are accrued on a daily basis. Interest for the current statement starts the first of each month and ends the last day of the month. If the account balance due is paid the 15th of the month, the following month you’ll be charged residual interest for interest charged from the 1st of month until the 15th of the month.

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Question marked as Top-ranking reply

Oct 1, 2025 11:17 AM in response to BlackBats11

Were you paying interest on your account or were you paying the balance in full each month? If you were paying just a portion of the statement balance (such as the minimum due) and were being charged interest, you have residual (ghost interest) due.


Interest on credit card accounts are accrued on a daily basis. Interest for the current statement starts the first of each month and ends the last day of the month. If the account balance due is paid the 15th of the month, the following month you’ll be charged residual interest for interest charged from the 1st of month until the 15th of the month.

Unexpected bills despite fully paid on Apple Wallet

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