I would like to share my letter to Cembra MoneyBank with you without rancor and with a certain amount of amusement - I also explain why: Dear Ladies and Gentlemen of Cembra MoneyBank Unfortunately, I was unable to reach anyone via your hotline - after using the keyboard navigation, I finally ended up at a combox. That's probably not the way it should be with a hotline... My first e-mail also went nowhere, as the e-mails to eservice.ch@cembra.ch are apparently not processed according to the automatic reply. Unfortunately, even after a long search, I couldn't find an e-mail address to which I could have sent my letter. The contact form failed because my message was "too long". As I now have no other way to help myself, I am sending my request, which has now also become a complaint, to Migros on my behalf, which after all arranged your credit cards for me. Just as a hotline should not lead to a combox and it should not be the case that no normal e-mail can be sent to you, it should of course also not be the case that you fall into arrears with your payments, I agree. Nevertheless, I find it completely disproportionate to charge a reminder fee of CHF 30 for the first reminder. It is also not legal, as you do not explicitly state this fee anywhere in your General Terms and Conditions (GTC). Your GTC merely state: "After the occurrence of default, the issuer is entitled to charge a fee for each invoice or reminder [...]." According to the Federal Supreme Court, reminder fees may be charged if they are included in the contract or in the GTC and the amount of the fee in francs and centimes is also explicitly stated there. Blanket statements such as "reminder fees will be charged" have no legal significance. Accordingly, I will not pay the reminder fees, as the damage caused by the failure to settle the invoice immediately does not exceed the amount of interest. Otherwise, I would ask you to provide evidence of the additional expense and send it to me and my lawyer (you can obtain the address directly from me). I will use this to settle the invoice amount plus CHF -.10 interest on arrears, less CHF 30 reminder fees. I would ask you to cancel the reminder fees. Should I receive this unjustified demand again in the future, I will terminate the contract with your company due to your lack of customer friendliness. Kind regards