Last month I inadvertently went over the limit on my credit card by a couple of quid. My fault entirely, I accepted that I'd done it and that I'd have to pay the £12 overlimit fee. This month my bill is a very long way from being over the limit but the fee appears again. I queried it. And that's where the devil is in the detail. The statements run from 16th of the month to 15th of the following month. Their call off date for a direct debit payment is 30th of the month. This ensures that if you you over your limit it appears on two consecutive statements and effectively doubles the overlimit fee to £24. It's all there in the small print of the agreement. You can, apparently, when you receive the first notification call them and authorise a separate early payment. That too is in the small print somewhere. I had assumed that because I pay off the whole bill every month by direct debit the fee would be taken care of but the clever business with the dates means that I have to pay it again.
Incidentally they have, after a very long argument on the phone agreed to refund the second fee. The only problem is that I was on hold for so long that the telephone call will cost as much as the refund. It's a mistake I won't be making again.
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