Which? questions clarity of credit card changes

Which? states that the warnings need to appear on the cheques themselves rather than on a separate leaflet in order to properly warn users of the risk of debt.

“We are concerned that people using them won’t realise the drawbacks. More information just isn’t the answer,” Which? spokesman Mike Naylor said.

“If they are going to give information it should be written on the cheque, not hidden away in a leaflet.”

Payment clearance system Apacs this week announced that credit card cheques will have a summary box containing interest rates and other information on debt incurred in use.

However, Which? said information should be clearer and more explicit about the fraud risk, cost and other debt risks.