Hi March, though God knows I've little sympathy with any bank and even less with any credit card company, I think you might not be managing your credit card account payments as well as you need to. One thing that can speed up payments into the credit card account, if you are paying from an AIB current account is to use Telephone and internet banking. If you make a payment online or over the phone it will be credited to your Credit Card account that night. If you go into your branch and give them cash to pay off your cc account, that can take 3 working days! Make sure that you have the balance covered by the payment due date, and not the date that the statement ends on - there is usually a 6 to 8 day difference between them, and you must have the balance cleared by the earlier one (the payment due date). If you manage this each month then you'll have no interest or fees, apart from the govt duty. Good luck with it.