Santander has shaken off the unwanted tag of being the worst bank for customer service, replaced by Bank of Scotland and Halifax. What's more, Santander's 123 current account in isolation now ranks as one of the best, in a poll of 9,500 MoneySavingExpert.com users.
Customers who try to overpay on their credit card could find their attempt to clear more of their balance doesn't work, potentially leaving them trapped in a debt spiral.