I need some credit card help..please?

Question

I have had my Capital One credit card for about 8ish months now..and I've always paid about $200 a month on it, but the problem is, I keep spending money on it so I still have like a $400 balance. When will I start being charged for interest? If I pay my balance off and KEEP it off within the next couple months, would I still be charged for the balance?

thanks!

Answer 1

you are doing everything right on the credit report score card as for interest no you will not be charged any back interest!!!  

Answer 2

Not sure I understand. You pay $200 a month and your balance is $400?  How much have you actually used the card?  It seems simple to me, don't use the card, use cash or  debit card only.  And you are paying interest, that's why your balance isn't going down.