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With regard to raising the minimum repayment on cards to 4-5%. If this is done, I will be unable to make the minimum repayments on the two cards I have <a href="http://ctncjukruiy.com">ousitandtng</a> balances on. The minimum is currently 1-2 % and I can pay this each month and sometimes a bit more. I am a on a low-income and it would cause me severe hardship if the minimum is raised, and I would be unable to avoid defaulting. THIS COULD BECOME ANOTHER 10p TAX FIASCO SERIOUSLY AFFECTING LOW INCOME PEOPLE! Please don’t do it!I am in favour of Option 3, as long as it really is voluntary and it is possible to continue making minimum payments at the current level.

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