Barclays were pretty good to me. I went overdrawn for the first time in about 6 years. I had a marker on my account stating good account keeper. They rang me told me about the overdrawn amount and told me as long as I cleared it within 7 days, there was no charge. Spot on customer service for me.

Paid in the amount same day, no hassle, job done. NO overdraft or credit card either