[garinda]

I do think the law should be changed, and that banks and credit card companies shouldn't be able to raise people's credit limit, without them requesting for it to be changed, reapplying, and the relevant checks carried out.

It's never been easier to get into debt because of easy credit. At least when we only had banks there was a limit on how much money people could get their hands on.

I've known some desparate numpties use a credit card to regularly get money out of ATM's, even though they'll be charged a ridiculous amount, and pay a higher interest rates for doing it.