Here's your new mantra, to be repeated daily...
'its a limit.... not a target... ooohm'
Ok, joking aside, my mum went with MBNA and she's gotten caught on a couple of things...
Firstly they can change the date payment is due without warning, so instead of it being the 17th for example suddenly it went to the 10th - it is detailed on the bill, but how many people do ready the due date, when you're 'used' to a specific date.
She then got stung for late fees, I think around the Eu15-20 mark...
Keep an eye out for that.