Cheap balance transfer credit cards are back in vogue but millions still don't know how to use one properly which has cost them hundreds of pounds a year.
MBNA will end a long-standing credit card stealth charge in the autumn that penalises those who spend on a plastic after making a cheap balance transfer.
Complaints about financial firms to the independent Ombudsman Service were up by 18% during the second half of last year, after many banks and other providers wrongly rejected consumer gripes.
The major credit card providers say they will show mercy to borrowers who make late payments because the postal strike has delayed their bill's arrival.
The shocking scale of consumer mistreatment is uncovered today as the lid is lifted on banks and other financial firms that brush off genuine complaints in the hope they will vanish.