Black marks for Asda. The Walmart-owned grocer mistakenly told customers to have a "magical" Christmas by withdrawing up to £300 a day using their Asda Money Credit Card - with charges of up to £9 a go. Asda has apologised.
But the move takes the shine of Asda's hitherto claims of selling Britons a super-cheap Christmas.%VIRTUAL-SkimlinksPromo%
Asda says it's looking into how the incident happened. "It appears," it says, "that the company which issues credit cards for us has sent a flyer out to our customers suggesting that they use their credit cards to withdraw cash."
It adds: "We are looking into how this happened and would like to apologise to anyone who has received one of these flyers."
Worse, the flyer did not detail the expensive credit charges attached. To be clear, Asda's Credit Card is managed by a credit operator called Creation, based in Solihull, operating under the tagline "We Keep Finance Personal".
Asda claims Creation - who have other credit card clients beside Asda - are attempting to foist this nasty, expensive flier on other clients. AOL Money rang Creation who told us they'd would get a response to us (yet to arrive).
Taking cash from a credit card is very expensive with most issuers charging immediate 3% for cash advances. Interest is normally piled on a withdrawal immediately - there's no interest-free period whatsoever. Also, cash advances are often subject to much higher rates of interest than normal.
So, if you're in any supermarket or retail outlet and pick up a similar flyer, we'd advise you to bin it.
We asked Asda and Creation whether they will retract these charges should anyone take up their offer without realising the extortionate charges attached, but we've had no clear response so far.
As of 1.15pm on Wednesday lunchtime Asda said: "We are in ongoing discussions with our credit card supplier on how we're addressing this situation."
As of 1.35pm Creation sent us the following - but no promise to rescind fees: "We confirm that this offer was sent to Asda customers in error for which we apologise. In discussion with Asda we have taken on board the comments about the positioning of this service and will ensure that this feedback is featured in future communications. We will also write to Asda's customers to apologise for this error."
10 of the biggest consumer rip-offs
Asda hits customers with huge cash fees
Using a mobile phone to make and receive calls, send texts and browse the web while abroad can be extremely costly – especially if you are travelling outside the European Union (EU), where calls can cost up to 10 times as much as at home.
To avoid high charges, Carphone Warehouse suggests tourists ensure a data cap is in place, use applications to check data usage, turn off 'data roaming', avoid data-intensive applications such as Google Maps and YouTube and use wi-fi spots to update social networking sites.
Payment Protection Insurance (PPI) is supposed to help people to continue meeting their loan, mortgage or credit card repayments if they fall ill or lose their jobs. However, policies are often over-priced, riddled with exclusions and sold to people who could not make a claim if they needed to.
At one point, sale of this cover - which was often included automatically in loan repayments - was estimated to boost the banks' profits by up to £5 billion a year.
Now, though, consumers who were mis-sold PPI can fight back by complaining to the bank or lender concerned and taking their case to the Financial Ombudsman Service (08000 234567) should the response prove unsatisfactory.
It could be you, but let's face it, it probably won't be. In fact, buying a ticket for the Lotto only gives you a 1 in 13.9 million chance of winning the jackpot.
With odds like that, you would almost certainly be better off hanging on to your cash and saving it in a high-interest account.
No-frills airlines such as EasyJet may promote rock-bottom prices on their websites. But the overall fare you pay can be surprisingly high once extras such as luggage and credit card payment fees have been added - a process known as drip pricing.
Taking one piece of hold baggage on a return EasyJet flight, for example, adds close to £20 to the cost of your flight, while paying by credit card increases the price by a further £10.
It may therefore be worth comparing the total cost with that of a flight with a standard airline such as British Airways.
Cash advances, which include cash withdrawals, are generally charged at a much higher rate of interest than standard purchases.
While the average credit card interest rate is around 17%, a typical cash withdrawal of £500, for example, is charged at more than 26%.
What's more, as the interest accrues from the date of the transaction, rather than the next payment date, costs will mount up even if you clear your balance in full with your next payment.
Supermarkets such as Tesco and Asda often run promotions under which you can, for example, get three products for the price of two.
However, it is only worth taking advantage of these deals if you will actually use the products. Otherwise, you are simply buying for the sake of it, which is a waste of your hard-earned cash.
Buy a train ticket at the station on the day of travel and the price is likely to give you a shock - especially if you are travelling a long distance at a busy time of day.
However, you can cut the cost of train travel by 50% or more by going online and making the purchase beforehand - especially if you book 12 weeks in advance, which is when the cheapest tickets are on sale.
Other ways to reduce the price you pay include avoiding peak times and taking advantage of so-called carnet tickets, which allow you to buy, for example, 12 journeys for the price of 10.
Most High Street banks offer packaged accounts that come with monthly fees ranging from £6.50 up to as much as £40, with a typical account charging about £15 per month.
Various benefits, such as travel insurance and mobile phone insurance, are offered in return for this fee. But whether or not it is worth paying for them depends on your individual circumstances.