Have you had a letter from your credit card company recently changing their terms and conditions? Then watch out!

A number of credit cards have made changes to their small print to squeeze a few more pounds out of you. Take Amex for example. Their Platinum cash back card has announced three changes, the most significant of which is that the date on which they have to pay their card by direct debit has been brought forward by four days. They now have to pay about 14 days after their statement. Barclaycard did a similar thing last year and hundreds of cardholders were caught out by not having sufficient money in their bank account when the direct debit arrived early.

Another of the Amex’s changes is that if the card is not used for twelve months, the card will be charged £20. And previously, customers could claim their cash back when they had accrued £12 – now it’s gone up to £25.

Cash back deals have also been changed by Barclaycard. Other cards to make changes recently include Goldfish, Sky, Flybe and Nationwide. If you have any of these cards, we advise you to check out how the changes affect you.