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  1. If you paid 30000 on the 16/11 then it will not be credited for up to 7 days. so there will be 7 days interest still due on the full amount.
    Your statement should tell you that payments must be made at least 5 days ahead to allow for ‘clearing’ (making sure that the payment doesn’t bounce).
    Also, if you were exceeding your credit limit you may have incurred extra charges.