You're lucky then, go £1 over here and they charge £35 for doing so then another £30 to write an automated letter to tell you, then bung interest on top.
I think debit cards are gonna be the future as credit cards become harder to get or people get sick of paying huge interest.
With house prices here averaging 9 times the average salaries, no one can afford to be careless with credit cards and loans.
Banks are definatly at fault though, if you pay over the minimum payments each month here, they automatically up the credit limits by £500 + which is too much temptation for anyone.
I agree on the crooks, anything financial is legal robery whether it be insurance or banks/credit cards, and the fuckers are allowed to get away with it.
Might be time to start filling out apllication forms for mcdonalds.
