complete newbie here, hope someone can help!....have had a Vanquis card for years, only used it occasionally for smallish amounts, and paid off no bother......however, just before Christmas i used it several times for some larger amounts and some cash advances...this was because i needed to do some work to my house as am about to rent it out and move to another house...my credit limit on card is 3K and have run it up to 2.5K...(i intend to just clear it off when my new mortgage money comes through)...but am absolutely horrified at the interest i'm being charged and dont even know what some of them mean!!.......I had 3 x cash advances of 250 pounds each...interest is 7.50x each = 22.50 (fair enough, i get that )...then i have "billed deferred finance charges" of 4.61 (what is this??)...then "repayment option plan" of 34.84...(only discovered 2 days ago this is not an insurance to cover payments if i become unemployed, which i thought it was!...is it ppi??)...then "cash interest" of 40.41...then "purchase interest" of 24.22...and finally "default charge interest" of 68p...(dont get this as havent defaulted!!).....so, of my requested next months payment of 123.00, a whopping 91.45 is interest!!!...cannot beleive this...only found this thread by accident...wish i had seen it weeks ago!!...hope i have explained this ok.....can anyone enlighted me please???