Well Jan it's happened to me
a few days before I went in hospital my credit card statement arrived I filled it in ready to take to post office then of course I was in hospital so j called at the house and paid it for me since then if had another statement and laughed because I haven't used it for a month I'm not laughing today saw online they have charged me =£12-00 because I owed them 20p rung but it was my mistake if rang and don't hold up much hope gggrr