Ah, well that's different, then. You did use the service, so you have to pay for it. If they charged you late, then you've had the money sitting in your bank account for an extra month, which I'd see as a bonus ;O) Some responsibility does fall on you to make sure that when you paid the credit card bill, you were aware of what was on it. If a charge you were expecting was missing, then putting aside the money to cover it for the next bill would have been prudent. Having worked for a bank in the past, I don't think that in this case you'll have any recourse, sorry!