I have a credt card and have been advised that none of the recent rate cuts are going to effect the amount that im paying. Now the banks have raisen my apr from 13.9 up to 17.9 through this last year. I have been advised that Santander will not be altering the rates as its inline with their competitors...How is this suppose to help the ordinary working class who are strugglng just as much as the bank are, whos going to bail me out when i have no money left ?.... Also if we miss a payment it effects our credt rating how can this now be judged when technically we own the bank