I left UAE on January'08, my friend is regularly paying the monthly due before the due date, thru internet banking I was able to check my accounts history, inspite of paying the dues before the due date without fail, I was shocked to see that I am being charged of two kinds of credit cover, two kinds of finance charges, late charge, and collection agency fee. I do not understand why, and the main thing is why am i being charged for the so called late charges inspite of paying on time.