To all those in the fortunate position of being able to pay off their credit card debt in a lump sum, be aware of something described as TRAILING INTEREST. When you go online and see a balance, the credit card companies are adding daily interest and the balance shown is for the last statement, not the current up to date amount. I thought I had paid my balances off to then find late payment charges etc added to interest from the previous statement. ..... Very cheeky of the companies not to let you know. However I complained in the strongest terms and they cancelled the trailing interest etc.