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Bank of Scotland charges fees for credit cards and overdrafts, which can add up if I’m not careful with my finances. For example, the late payment fee on credit cards can be up to £12, and if I exceed my agreed overdraft limit, I might be charged a fee as well. This is a common practice in many banks, but it’s something I need to be aware of, especially when managing my credit card payments or ensuring I don’t exceed my overdraft limit. Additionally, there is a foreign card usage fee of 2.99% per transaction on the Classic Account, which could significantly increase the cost of international purchases. For me, the key takeaway is to be mindful of these fees, as they can quickly add up. While I appreciate the Bank of Scotland login feature, which allows me to keep track of these charges, I must be cautious about my spending habits to avoid unnecessary costs.