Sorry to hear that Bill but to be honest all my friends that have bank account here in UK they pay too much for using their cards as they say. I dont know much about it because i use my Cypriot card which is the best. Yes as a student I do have lots of benefits. I do not know details about the other cards but my friend and my mum are very leased and lately they got too many benefits because of that card (American express from Bank of Cyprus).
It was just my opinion really.