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

I’ve been using a NatWest charge card for my everyday spending, blissfully unaware that it is any different from a credit card. But like millions of charge card and credit card holders, I always choose to pay off the balance in full every month. In my case the spending limit on my charge card is £6,000, enough one supposes to pay for a handsome vacation. Debit and charge cards offer some protections, but not nearly as strong as with credit cards and it is not legally binding. My preference for using my NatWest Charge Card, as opposed to the debit card, now looks daft.