This article is for information purposes only.

Please remember that financial investments may rise or fall and past performance does not guarantee future performance in respect of income or capital growth; you may not get back the amount you invested.

There is no obligation to purchase anything but, if you decide to do so, you are strongly advised to consult a professional adviser before making any investment decisions.

An important warning for anyone with an existing credit card, loan or overdrafts. Check if you can cut its costs now, as the Bank of England is considering making that tougher. ...