Natwest have been pretty good to me over the years. I haven't spent a single penny in "charges", just interest (I went over my OD quite a few times ). Any time any charges have appeared I have called them and discussed it, and they have written them off for various reasons and actually have been more interested in keeping my business on a freindly note, so they have kept my loyalty . I find as long as I keep in touch with them when I can see troubles coming, it has been possible to avoid charges (well mostly, I guess you can't take the p*ss too much) - [*ring ring* Yes Sir, what can we do for you? - I just bought a Supra... hmm I see, we will increase your credit zone to £18000000000, that should help cover the yearly fuel bill]. Apparently, this goes for all your util bills too - if you see the sh*t approaching the large rotating fan, call em Communication is king, although I am aware of some people not having quite the same experiences as me.