Will I get charged Late payment/Overlimit fees?

All credit cards charge you if your payment is overdue.

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How can I keep my credit card secure?: Like anything, a credit card can be stolen or used without your knowledge, so follow these simple rules to keep your credit card secure:
How can I protect myself when buying online?: As long as you have not been negligent, you're always fully protected against fraudulent charges when using the Internet to make purchases.
How much will I have to pay each month?: How much you have to pay back each month depends entirely on how much you owe – however the general rule for most credit card companies is that you either make a minimum payment of 2% of the balance or £5, whichever is the higher figure.
What is a Balance Transfer?: Transferring balances has become a popular and easy way to consolidate multiple card balances in one place, while simultaneously making significant savings on interest payments.
Why is it worth making a Balance Transfer?: If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit card.

If your payment doesn’t reach them by the date specified on your statement, you will be charged a one-off late payment fee, and these fees are normally quite expensive, i.e. £20. The best way to avoid this is to set up a Direct Debit to ensure that you pay at least the minimum repayment on your account, on time, each month. Obviously it will take a lot longer to clear your balance and you will pay more in interest charges, but you can make extra payments during the month as and when you can afford it to ensure that your outstanding balance is going down steadily.

In the same way if you go over your credit limit you will incur a fee, again of around £20, depending on the individual credit card company.