You see, these financial institutions will have their illegal way of charging you and you will wonder how come. My younger sister who lives in the UK narrated how they kept charging unnecessary interest from her credit card, unknown to her, they have been doing that for months until recently, she had to check and when she contacted them for what purpose, they told her irrelevant things. She was pained but had to resolve it.
I don't want to have anything doing with these financial institutions as they will drain you dry if you don't take measures especially when it comes to repaying your loan. Their interest rate is exorbitant.