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Me v Sainsburys Bank Credit Card


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I am writing to ask someones advice regarding interest on sainsburys credit card. Normally once i receive the monthly bill i pay the full amount on time each month online. The total bill was around £700 and when i went online to pay the bill but for some reason i misread the total amount and underpaid by about £3. I paid for arguments sake £697 ontime and forgot about the extra £3

 

Next month i received the bill which included a £13 interest amount. I rang Sainsburys Bank up and they said that if i you do not pay the full balance then you are charged interest on the full amount, regardless of how much you pay back ontime.

 

 

This cant be true surely. I thought that you are charged interest on any outstanding balance?

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