I am with Capital One - 14.9% interest - Let's say i buy $100 in items at a grocery store on the 1st of January .. When would i need to pay back the $100 in full so that i do not get charged interest? I hear most people say before the end of the month.. but when exactly will i be charged interest... and if i pay my monthly bill by cheque in the mail and it gets to them after the end of the month or something.. Hope someone can clear it up - How can i not be charged interest at all..