Please note: We are currently waiving the Late/Missed payment fee, Overlimit fee and Returned payment fee as part of our cost of living support for our customers. It's important to make your payments on time and keep your credit card within its credit limit.
If you are experiencing any financial difficulties, we can help, please visit our Struggling Financially page, or you can also visit our dedicated Cost of Living page.
A credit card has many benefits but to get the best from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.
There are three main fees you need to know about.
Late payment fee (£12) - if you're late paying your monthly bill.
Over limit fee (£12) - if you go over your credit limit.
Returned payment fee (£10) - Applied when you don’t have enough money to make a payment.