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:
Why would my credit card application be turned down?: There are many reasons why your credit card application could be turned down, and these reasons vary between all credit card issuers.
How can I pay off my balance?: There are number of ways you can choose to pay off your credit card balance - either by Direct Debit, by Debit Card over the phone, by bank transfer from your bank or by cheque.
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.
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.