Why making credit card overpayments will actually cost you!

I have now either recorded or personally identified 43 different tricks that credit card companies use to make you either spend more money on your card, make you pay more interest or nab you with penalty fees and other costs.

And now another trick has emerged: if you make overpayments, some lenders will reduce your next direct debit payment by the amount of the overpayment, negating the benefit of overpaying.
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