Sorry to bring this up again, but can someone explain this to me.
Got my statement today.
Previous balance:6446
Spending:389.94
Payment:391
Interest @ 1.196 per month: 88euro
New balance 6553
AFAIK, interest calculation on credit cards is not straightforward. Once they've identified that an account is not be being paid off, interest is calculated against individual transactions and the number of days between that transaction and the bill date. If an account has a 'hard core' of unpaid debt, that identification of that and calculation of interest is handled differently.