Credit cards

If you are close to your limit on your credit card, watch out! The greedy banks add the interest charge BEFORE they take the direct debit, resulting in you going over your limit and incurring a fine. If they did it after taking the payment, then this would not occur. If the current balance plus interest charge would make you reach your limit, then the transaction should be rejected. This is just another cynical trick to rip a further £12 off you! I cant tell you which credit card it is, but chickens lay them.