The UK Cards Association has published a new plain English advice guide giving Britain’s 30 million credit card holders clear information about their rights when using their card. ‘Credit cards – your rights, a consumer guide’ is being sent to every Citizens Advice Bureau in the country during May and is also available to download from Payment Cards - UK Card Association Credit card holders benefit from a range of protection that shoppers using either cash or cheques miss out on. For example, Section 75 of the Consumer Credit Act 1974 gives unique legal protection if a credit card is used to buy something costing between £100 and £30,000.

‘Credit cards – your rights, a consumer guide’ sets out:

· your rights if you don’t get what you paid for or it turns out to be faulty;

· if your credit card details are used by a fraudster;

· if changes are made to your account;

· if you need information from your card company;

· if you are in financial difficulties; and

· if you need to complain.

The advice guide follows a package of measures agreed by industry to help consumers manage their personal finances. These include:

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