. "2016-02-19T00:00:00"^^ . . "8"^^ . "0"^^ . "1"^^ . . "0"^^ . "My Visa payment was due Feb 15. As Christmas had just passed, I wanted to pay in advance because I knew money would be low in Feb, so I paid on Jan 18. On Feb 19 I check my account and they have charged me an overdue amount. A phone call tells me that their system charges this and they can't reverse it as they can't accept 2 payment in one month or an advance payment. It has to be between the statement date and the due date. So I get penalized for paying early and have to pay more than double the minimum charge to unblock my account!!!! In the UK, they do accept advance payments and they can reverse incorrect charges. Thank you Scotiabank for ripping me off and proving yet again how backward your Canadian systems are. As soon as I clear these accounts, I will no longer be banking with Scotia. You lose another customer for being completely unfair and providing absolutely no incentive for me to be a good customer."^^ .