Late paying
If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit might be a good idea – it means you’ll never be late paying again.
We're all human, so if you do miss your payment due date by just one day, we won't charge you the late payment fee.
Over your limit
If you go over your agreed limit by more than £12, we’ll charge you a fee of £12. Using our mobile app or digital banking is a really good way to make sure this never happens.
Things to remember
For full details, please see the Summary Box in the Ready to apply section below.