I've been buying on line from a certain catalogue for several years.
I have a unasked for and unused credit limit of £1500. The last items I ordered in April were returned within a week. I've just had my May statement and have been charged £3.50 for a late payment. How is the £1.50 P&P late when this is the first statement I've had since returning the goods 
Don't get me started on trying to speak to a human 
Unlocking the Zen: A Guide to Block Blast
Any Rain Anywhere, Or Are We In A 1976 Timewarp?
The early release scheme it's a gimmick and helps no-one but criminals. Just build more prisons.
the late payment charge is because I haven't paid the £1.50 P&P