I paid for a holiday with my credit card I was on holiday at the time! I pay my my credit in full when my statement comes in...However I received an e mail from nat west debt recovery dept saying I was £20 over my credit limit and to pay it immediately or I would incur charges! Is this the way they look after their customers.o rang them and paid it in full it wasn't even due.it was difficult as I was on holiday and costing me money to ring them...I will be closing my accounts with Nat West is this the way they treat loyal customers.Debt management recovery indeed. Dreadful service Nat West