Although the deposit is in the hands of the kudos card issuer as security in the affair of default by the consumer, the deposit will not be debited ordinarily for missing one or two payments. This means that an account which is less than 150 days delinquent will continue to accrue into and fees, and could result in a balance which is much exceeding than the actual credit confines on the card. In these facts the total chit may far exceed the original deposit and the cardholder not only forfeits their deposit but is left with an additional debt.

* Last-minute payments
* Charges that aftereffect in exceeding the merit breaking point on the card (whether done deliberately or by mistake), called overlimit fees
* Returned cheque fees or payment processing fees (eg phone payment fee)
* Cash advances and convenience cheques (often 3% of the amount). Transactions in a foreign currency (as much as 3% of the amount). A few financial institutions do not rush a fee for this.
* Membership fees (annual or monthly), sometimes a percentage of the brownie points limit. Issuers love monthly fees as it allows them to invasion substantial http://www-free-credit-report.com/ amounts without the customer realizing how cher the blitzkrieg really is (a monthly amount is perceived as half the discount of the equivalent annual fee)
* Foreign Barter Premium