Paul

The only charge i've had in the last six years was for late payment on my credit card one month (I was a day late) they charged me £25 I think - I rang them up and pointed out that in four years with them I had never missed one before and that if they insisted on this for being one day late then I would zero the account there and then with a balance transfer from a rival - and never use the account again (but not actually close it, just leave it dormant). They refunded the charge.

I paid it off next month anyway, and never used the card again.