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I've been making a huge mistake with my bank account for two decades. Now I've discovered it, NatWest is making me jump through hoops to fix it. Make sure you don't make the same blunder: ALEX BRUMMER

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For nearly two decades I've been making a mistake with my bank account . I've been using a Natwest charge card for my everyday spending, blissfully unaware that it is different from a credit card.

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