I called 1-800-277-6860 May 5, 2008 requested a payoff quote I was prompted to pay $4579.54 to clear this account. The same day I made an online payment for $4579.54 from my RBC account. Appoximently 2 weeks later I called to cancel the card but Customer Service told me I had a balance of $117.74 of interest to pay and they told me I have to pay it. How does interest occur on zero dollars? I paid the card off in full the same day I got the pay off quote for this account. I spoke to the supervisor Scott who was aggressive and told me I had to pay this amount, I still dispute these charges so I called back to speak to a Manager so I left a message with M.J. Customer service still couldn't explain where the charges came from. Common sense that I paid such a big amount, why would I hold back $100 dollars. My account number is 191210103923987.