AcidHell2 said:They've always done that.
On £1500 it works out like £3 a month, so nothing to worry about.
end of first year they drop your interest free section to 1000 then the year after drop it to 500 then finally to zero.
Surely it's more like £12 a month!? 9.9% of 1500 ( as we have no interest free overdraft anymore) is 148.5 / 12 = 12 something