Nat West stands accused of introducing a charge "by stealth".

Are you a Nat West credit card holder?

Have you signed up for their new reward scheme?

Did you know you are secretly being charged £3 a month, unless you spend £1000 a month on the card?

If you answered yes to the first two questions and no to the last one, then you should probably read on!

It's no surprise that many of you claim Nat West gave inadequate warning as not so long ago, Nat West was voted Britain's worst bank. Nat West says full details were in the written terms people got before registering to join the scheme last summer.

Nat West introduced the Your Points reward scheme last June. The scheme replaced the popular Airmiles, with Nat West claiming Your Points would be more flexible to customers' needs. Your Points allows points accumulated each time a purchase in made using the card, to be exchanged for budget airline flights and holidays.

Cardholders were encouraged to phone up and register to join, but now some lower spending customers have complained that there was no warning about the charge when they phoned to register, and they feel they have been misled.

Many of you have just got leaflets telling them that from 1 December, customers who do not spend £1,000 a month on their card, will see a £3 a month charge automatically added to their card bill!

That's nice of Nat West isn't it? Nice of them to encourage over exuberant monthly use of credit cards, just to avoid penalising people.

Some of you only got the leaflet two days before the fee was brought in, and Nat West confirmed that unless you rang up to deregister from the Your Point scheme by 1 December, you will be charged at least for the first month.

A Nat West spokesperson said the bank had delayed charging for the Your Points scheme until December because it wanted customers to familiarise themselves with the scheme first, and for them to have had time to collect some points.

Nat West says all customers will have "actively chosen" to join.

It's not surprising that they would say that, as they didn't exactly give you another option did they?

If you do not spend enough to avoid the charge and you wish to deregister from the scheme, you should call Nat West's customer services department.

Otherwise you will be paying just another unnecessary fee; and we think you probably have enough of those in your life don't you?