Catman
Any chance of the facts first, your profile would help is that you could be that you are in Ireland and not UK main land Re £12 for credit card use you musts of spent £400.
Have to admit credit card charges should if not already be absorbed in the price; how every there must be a minimum, sadly some may tag it on as a bonus, how are we to know! But if advised of this extra charge, they must be on a good screw, sorry Derek.
I recently bought a replacement pond line it came to £208 inclusive not matter which way I paid.
Mark
Though I agree with you but it two-side coin I wonder haw many cc also fit this bill?
Len