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Those who used their credit card to consolidate their debts were more likely to have multiple credit cards (average 2.8 cards) than all those with a credit card (average 1.5 cards)... It also points to the need for statements of account to be provided sufficiently frequently... http://www.1stepfinance.co.uk/loans
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However, if switching costs are either hidden or not factored into the consumer's decision to consolidate, consumers may be switching more often than is to their benefit... Concerns were expressed by CABx that the repayments on these loan were not affordable for the borrower and placed the bank in an advantageous position, by concentrating solely on clearing their own debts, over other creditors... http://www.loans-in-uk.co.uk/loans
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