"I currently have a Tesco Bank credit card, they kindly set their payment deadline date as the last day of the month. Coincidentally, my employer pays my wages on the last day of the month, I made my first payment on the due date only to find that Tesco Bank did not process it that day and instead collected the payment the following day, adding a late payment fee. To ensure this did not happen again I set up a direct debit, Tesco Bank just straight up forgot to take the payment despite all the Direct Debit details showing on their website. And you guessed it, they added another late payment fee."