We missed paying our balance in full by {$3.00} last month. We were charged {$9.00} in interest for that month and {$22.00} the next month, for a total of {$31.00} for a XXXX time {$3.00} error. Is n't that an excessive amount? 

The credit card company did waive the second interest charge, but I still think an interest should be charged on the amount past due and not on the total balance. 
