[jaysay]

I think most people have Credit cards these days, I've used one for over 20 years, but have never paid a penny in interest, so I'm not a good customer for Lloyds TSB. However, it hasn't stopped them from, without any request from me, upped my spending limit to £3500 (wishful thinking on their part) It appears that the Government are now going to step in and stop this practice, and not before time. With credit card debt running at about £230 billion pounds people should be allowed to manage their own credit affairs and not be encouraged to go deeper into debt