I was given a credit card in 2011 and make full use of it as i do not earn well and i use it for things like fuel, when i got the card, i was not told the difference between straight and budget, nor was i told that when they debit the minimum amount for the payment, it does not cover the service chargers! now i have maxed out the card because i paid some bills and for fuel, and when i queried as to what i was paying for if i have maxed it out, then they tell me its for service charges and my instalment does not cover everything! i was under the impression that "minimum amount" covered the service charges as well! this is how they get people and so many people are bombarded with debt! and even when you make a payment, they charge you "handling fees" which is honestly quite annoying!!
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