The global economic downturn has left Brits wary about incurring credit card charges or making loan claims.Research from Moneysupermarket.com found while ten per cent of respondents claimed to be more likely to use credit than they once were, 34 per cent said they plan to use this funding option less than they used to.Head of banking for the firm Kevin Mountford suggested that loans were relatively easy to come across prior to the economic downturn, with the recession putting many consumers "in financial difficulty"."When used responsibly, credit can be a good thing and is an effective way for families to manage their finances," he pointed out.People could make a credit card claim and not pay a penny in interest if they cleared their debts every month, the expert noted.However, Unite the union recently pointed out people are finding it increasingly hard to access loans through traditional options, which it said has supported the rise of the payday lender.John Fieldman Having worked in the city for 19 years, John's main focus is interest rates and corporate finance.
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