so ive been paying off bits here & there off my bill, so its not as high later on, my actual balance is saying around £50, but recent charges say £98, i know the actual balance is with payments deducted, but i still receive messages that im near my credit limit (of £100)...how? Seems ive paid, not to reduce the nearing of credit limit, but rather a chunk of the next bill, surely if i use £5 mobile, then i pay £5 via bank card, that should instantly wipe the £5 charge?
