How are late payment fees calculated?

Personal Cards

Default fee of £12

Corporate Cards

35 days overdue – 2% of the overdue balance and a flat rate of £12.00

60 days overdue - 2% of the overdue balance and a flat rate of £12.00

90 days overdue and each subsequent 30 days thereafter - 2% of the overdue balance and a flat rate of £12.00