Your statement is most definitely misleading.
I never pay a card charge; nor do I pay to check in.
That's £20 to remove from the £50 you say is the minimum.
The bookings I refer to were all made after the introduction of the check in fee for non-promotional flights.
As far as card fees are concerned, I shall simply switch from Visa Electron to prepaid MasterCard on 1 January to maintain the status quo.
Remember, too, that UK APD has risen from £5 to £11 over the years.