Consumer magazine Which? has called for action to be taken to cut down on complicated bank charges that are issued when people use unauthorised overdrafts. Most institutions penalise customers who have drifted into the red or have exceeded their agreed overdraft limit by hitting them with hefty fines. Which? has argued that bank customers are finding it increasingly difficult to calculate how much they might be charged for surpassing their credit limit and has asked for more transparency throughout the sector. Chief executive at the publication Peter Vicary-Smith believes that legislative changes made by the government to tackle these fees have not gone far enough. "It's extremely disappointing to find that bank charges are still too high, too complex and impossible to compare," he remarked. Last month, the government introduced a new ruling that prohibits companies from issuing credit card charges to consumers who choose to pay for goods using their plastic. Jennifer HainesJennifer's speciality knowledge is credit card changes and balance transfers.
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