Originally Posted by
TominLazybrook
... If you're a day early on the cycle, it doesn't count. You get 25 days of interest free treatment. Then a 5 or 6 day grace period. ...
Is there anything here that you find out of the ordinary? Any payment you made before your last statement was applied in the previous billing cycle, it doesn't relieve you of the responsibility to make the specified payment in the current cycle, if there was still a balance.
If I understand correctly that you are not paying the balance in full, each and every billing cycle, Sapphire is not really an ideal match. A card issued by a credit union would likely have a much lower interest rate, and you might get a more personal level of service (unless the card administration is completely outsourced.)