蓄える／店 card 反対／詐欺

By This Is Money
Updated: 00:00 BST, 4 May 2004

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BRITONS could collectively save £350m a year by transferring 優れた 負債 from 高金利 蓄える／店 cards to more 競争の激しい credit cards, 研究 has （人命などを）奪う，主張するd.

About 12.2 million people in the UK have 蓄える／店 cards, but of these just 53% （疑いを）晴らす their balance every month, によれば Sainsbury's Bank.

The 研究 設立する that an 概算の 565,000 people have balance s of more than £1,000 left on their cards at the end of each month, while 92,000 have balances above £5,000.

The bank said one of the 推論する／理由s people failed to （疑いを）晴らす their cards in 十分な was that 60% were not aware what 利益／興味 率 they were 存在 告発（する），告訴（する）／料金d on their 負債, with 蓄える／店 cards often 非難する around 10% more than credit cards.

The group 勧めるd people who do not 支払う／賃金 off their cards in 十分な each month to 移転 their balances to a credit card with an introductory 率 of 0%. However, 22% of 蓄える／店 card 支えるもの／所有者s 認める they did not realise they could do this.

Lucy Hunter, credit card 経営者／支配人 at Sainsbury's Bank, said: 'There are 現在／一般に around 22.5 million 蓄える／店 cards in 循環／発行部数 and people need to review whether they really need them.

'If you are able to （疑いを）晴らす your balance every month they can be 価値（がある） having because they 供給する some attractive 利益s, such as 割引s on 購入（する）s and previews of sales.

'However, for those that don't （疑いを）晴らす their balances, they may be better off transferring the 優れた 量 to a credit card that 申し込む／申し出s more 競争の激しい 率s.'

蓄える／店 cards were recently 予定するd by the Office of Fair 貿易（する）ing, which asked the 競争 （売買）手数料，委託（する）／委員会／権限 to carry out an 調査 into the way they operated.

The OFT said there was a 欠如（する） of transparency about the cards and 消費者s appeared to find it difficult to 査定する／（税金などを）課す the costs and 利益s of using them.

It 追加するd that this 欠如（する） of clarity on cost also made it difficult for people to shop around and compare the cards with other forms of borrowing.