So I paid off my credit card on 25th December and it was in 50 pence credit. Then on the 02/Jan I was charged £3 interest. Because I thought i had paid off the account i didn't both going in to look at it. I logged in end of January to check my points and it said my account was in areas and I got an email saying that this will be sent to the credit agencies because I missed the payment. The only reason I am using it is to try and improve my credit rating, not that its bad just heard its good to use a credit card and pay it off. I called up customer service and explain and they said that i was charged £3 interest on a positive balance because although it is worked out on a daily basis it is a monthly interest. Then on 2nd feb i got charged 60 pence interest on the £2.50 balance. haha. Good I logged as they don't send any statements out by email or post or any notification emails about the interest. They only just sent me an email today saying that my account is in areas and credit agencies have been notified. If i had not logged in and didn't check my email, thinking it was paid off within a year or two it would be up to £100s.