The individuals who are not all that careful and regularly surpass their credit limit or are late in making payments are presented to numerous charges that were typically as high as £25– 35 until a decision from the Office of Fair Trading that they would assume charges over £12 to be unfair which driven the majority of card suppliers to lessen their expenses to £12. Intrigue charges vary broadly from card issuer to card issuer. Now and again, merchants add a surcharge to the credit cards to cover the interchange charge, encouraging their customers to instead use cash, platinum cards, or even checks. The interchange expense that applies to a particular transaction is also affected by many different variables including: the kind of merchant, the merchant's total card sales volume, the merchant's average transaction amount.