When people really need loans from banks, in tough times like now, banks make getting loans almost impossible.
When people don't need loans from banks, in easier times, banks push loans and lend anything to anybody.
Clearly idiotic banking that needs some controlling ?
Of course many members of our government, and indeed many MPs of whatever party, put improving their own bank accounts above everything. As all the recent MP fiddle stories clearly show.
If you sometimes overspend and so go temporarily broke, then maybe you would be better reducing your card-spending and doing more cash-spending.
If you start your week with say £100 cash then after any cash-spend you will see what cash you have left. Spend with a card and you will NOT see what money you have left for the week !!
Cash-spending is informed-spending, but card-spending is uninformed-spending ! The banks push card-use to encourage more spending and for you that may be unhelpful.
