I’ve been making a huge mistake with my bank account for two decades. Now I’ve discovered it, NatWest is making me jump through hoops to fix it. Make sure you don’t make the same blunder: ALEX BRUMMER

For nearly two decades I’ve been making a mistake with my bank account – and I’m lucky it has not cost me dearly.

I’ve been using a NatWest charge card for my everyday spending, blissfully unaware that it is any different from a credit card.

You may think I ought to have realised. But if I log on to my NatWest online banking, the card is even described as a credit card.

If a purchase had gone wrong and I had cause to ask for a refund from my bank, I would have learned the hard way I had no such protection.

Charge cards

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