The new credit rules - and you

Find out what the reform of the credit system could mean for your borrowing

How not to borrow Beware unused cards The end for rate tarts? Sinners and winners Protect your purchase Save on cards abroad Can loyalty pay your bills? Credit card FAQs

Banks make huge loan profits

Why are banks charging so much for loans when interest rates are so low?

Rates 'down to earth' Alternatives for borrowing Borrowers beware Loan rates on the rise New rules for borrowers Loan rates are rising

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Switch to a new credit card and pay 0% on purchases and balance transfers

• 0% balance transfer: Virgin cards

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