I have just applied for Halifax clarity credit card and I just realised that I got charged £13.54 for interest this month.
I didn't realise that it was set up to pay minimum payment only as I normally pay the whole outstanding amount with my other credit card.
When I realised it, I've changed it to pay outstanding amount, I let them know early november, got confirmation letter the next day, but a week later called them again, apparently it was too late which is outrageous.
I was never asked whether I would like to pay for minimum or whole, he just did it himself. Felt like being conned :(