Hidden charges on credit cards are going to be decreased to £12 (yippee!) but after this was announced banks are now saying they'll no longer be able to offer free banking to cover charges they'll be losing on the charges (banks make a massive £1 billion a year from those of us paying extra charges!). Is this justified?? Extra charges are not supposed to make banks' extra profits!! (see link for more info http://forum.moneysupermarket.com/forums/thread/152.aspx)