A credit card has many benefits - but to get the most from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.
There are two main fees to learn about:
- Late payment fee - this will only be charged if you're late paying your monthly bill
- Over limit fee - this will only be charged if you go over your credit limit in any statement period
Both of these fees cost £12.
Life can be busy - it can be easy to miss your payment due date. If you miss this by one day, we won't charge you £12. Similarily, you can go over your credit limit by up to £12, and we won't charge you an over limit fee.