This is the sort of thing that would have been frowned upon by chief constables over the past decade, but Kevin Morris, president of the Police Superintendents' Association, believes that sort of thinking is now out of date.

BBC: Policing on the cheap?

If you are thinking about switching from your bank to a credit union, the Credit Union National Association offers a tool to help you find one near you.

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He asks the chief executive of the Association for Payment Clearing Services (Apacs), which represents the credit card industry, what the banks are thinking of lending money to people who will never be able to afford to pay it back.

BBC: NEWS | Business | Britain's streets of debt: Easy prey