..and another bloody devious thing they do [which is why I got caught out this week]
is have a consistent 'pay by' date for months eg the 13th of the month
so we get into a settled routine of phoning up to pay on the 11th or 12th;
then without warning one month craftily switch it forward a few days to eg the 10th.

Their explanation for their banking systems's need to do this is baffling and went over my head.

suffice to say it's a nice little earner for them in extra late payment fees and interest !!!


[yeah Dave - that makes a lot of good sense - but my minimum payment increases every month until it spirals so far upwards
it's time for the annual serious spending discussion with the wife ]