Consumers could avoid credit card charges if they make sure they read all the small print before taking out credit. Liz Dunscombe, director of partnership development at Credit Action, a national money education charity, claims that it is very important to read about any form of credit you are thinking about taking out. She said: "Whenever you're taking out any form of credit you just need to look at the small print as carefully as you can and do your homework; what would happen if you missed a payment? There are so many different quirks to different credit cards. "People have just got to do their homework and not rush into things." Ms Dunscombe added that price comparison websites can be useful when deciding what type of credit card or loan is right for you. Aviva recently reported that 63 per cent of consumers say there has been an increase in the number of people approaching family members for money because of the credit crunch. Samantha Clarke Samantha is a former banking assistant and has over ten years experience in retail banking.
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