Should Pots balances be counted for overdraft fee calculations?

[TTJJ]

@Chapuys

I have an MBNA credit card and every time I change something on my account, even if it is as simple as adding it to Apple Pay, they send me out my WHOLE terms and conditions by post.

Barclaycard also do this! Every time you do something on Apple Pay it triggers a terms booklet to be sent out it’s so annoying.