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Updated September 2026: in 2018 I wrote about being charged interest on my credit card after paying a large bill in two instalments before the due date, and getting both the interest and the annual fee reversed by customer care. I have rewritten it into a guide to disputing interest and fee charges.

I had paid every statement in full before the due date for a year. One month the amount was large, so I paid it in two instalments, both before the due date. The next statement showed interest charged, and I was angry enough to want the card closed. I waited for the weekend and called customer care. The representative's tone changed once I said I would close the card, and I was told the interest would be refunded. When I also asked about the annual fee, that was refunded too.

Why was interest charged if I paid before the due date?

The most common reasons are that the full statement balance was not received by the due date, a payment was credited later than it was made, or a new purchase was billed while the earlier balance was not fully cleared. Once the full amount is not paid, many cards charge interest on the whole balance from each transaction date, not only on the unpaid part. Check the credit dates on the statement, not just the dates you paid.

How do you ask for interest or fees to be reversed?

• Check the statement first: note the payment dates, amounts and credit dates.
• Call or write with specifics: the charge, the amount, and why you think it is wrong.
• Mention your record: a long history of on-time payment helps.
• Ask for the annual fee waiver too: many banks waive it for regular users on request.
• Get a reference number: and check the next statement for the credit.

Does threatening to close the card work?

It worked for me, because retaining a customer is cheaper for a bank than losing one. It is better to say it only if you mean it. If the bank refuses and you are sure the charge is wrong, you can escalate to the bank's grievance officer and, after the time limit set by the bank, to the RBI's complaint system.

What should you do to avoid it happening again?

Pay the full statement balance in one payment a few days before the due date, and allow for processing time. Set up auto-debit for the full amount if the bank offers it. If you ever need to pay in parts, make sure the last part is credited before the due date.

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Updated September 2026: in 2018 I wrote about moving to a new proposal with a team I had never worked with, after two months with a difficult subject expert, and finding the new bid went the opposite way to what I expected. I have rewritten it into advice for the first days with an unfamiliar bid team.

For more than two months I had worked only with one subject expert who had ego issues and was rude to other teams. When that line of opportunities stopped coming to my team, I was free for a few days before my manager assigned me a bid from a complicated account, with a team I had never worked with. It looked easy at first. I had standard content, the delivery contact could customise it, and the early discussions went smoothly. Then the support I was counting on did not arrive, and the bid became much harder than it looked.

Why do "easy" bids turn difficult?

Because the easy part comes first. Standard content covers the opening calls, and the real work starts when the client's specific questions arrive. If the delivery team has not committed time by then, the presales person is left filling gaps alone.

What should you set up in the first week with a new team?

• Named owners: who answers solution, pricing and staffing questions.
• A calendar of dates: client questions due, internal review, submission.
• A shared tracker: open questions, owner and due date, visible to everyone.
• A short kick-off note: scope, assumptions and what you need from each person.

How do you learn a new team's working style quickly?

Ask the account manager or a colleague who has worked with them. Watch how they respond to the first small request: speed and detail then usually predict the rest of the bid. Adjust your approach early instead of waiting for a crisis.

Is it better to have a difficult expert you know?

Sometimes. A known difficult person is predictable, and you can plan around them. An unknown team can be better or worse. Either way, clear owners and dates protect you more than good relationships alone.

What should you tell your manager?

When support is slipping, say so early, with specifics: which inputs are late and what that does to the submission date. Managers can usually fix a resourcing problem if they hear about it in time.

Keep reading

• Starting Work on a Difficult Account: First Call Tips
• Asked to Work Before the Client Replies? What to Do
• A Proposal Deck in One Week: Start With the Storyline

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