The Royal Bank of Scotland is to charge its credit card customers if they do not inform it of a change of address.
The Royal Bank of Scotland is introducing new charges
The bank says it will charge £12 if an address alteration is not made before two statements are sent to the old address - a period of up to 60 days.
It is also planning to treat card purchases of items which it calls "cash equivalent products" as cash advances.
These items, such as gift vouchers and betting, will immediately incur high rates of interest.
BBC business correspondent Sumant Bhatia says banks are attempting to recover losses which they suffered when last year the Office of Fair Trading cut the amount they could charge for late credit card payments.
Several card issuers have put up their interest rates in recent months, while others have introduced fees for services.
These include tracing a new address, sending out duplicate statements, and for not using a credit card enough, our correspondent added.