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Up to 40 per cent have not made key checks on their credit rating or electoral roll entry

Prepaid plastic is the new must-have for credit-crunch holidays

Travellers can avoid transaction costs, fluctuating exchange rates and overspending, with a bit of pre-break research.

Cattles shareholders face wipe-out after breach of bank covenants

Shareholders in Cattles could be wiped out after the sub-prime lender revealed it had breached its banking covenants and had suspended its finance director over accounting errors.

One blot on your credit record and you can forget about a mortgage

Bankruptcy could ruin your chances of getting a loan for the next 10 years, writes Laura Howard. Even neglecting to pay a phone bill could put lenders off

Rexam shares slide on S&P ratings cut

Rexam, the FTSE 100-listed drinking can maker, announced solid full-year 2008 results yesterday, saying that pre-tax profits were up £83m to £328m. But the share price fell by 10 per cent to 278.5p, a 12-month low, as the group said its focus this year would be on cash generation and cost-cutting.

Zopa takes up where the banks leave off

Julian Knight and Nargis Ahmad look at the site matching individual lenders and borrowers who recoil from high-street rates

How to make your credit cards pay

Britain's credit-card market is one of the most competitive in the world. Most cards have no annual fees, offer attractive interest-free introductory periods, and come with generous loyalty schemes. The downside is that they also charge hefty interest rates – typically between 15 and 20 per cent APR – meaning that they're an inefficient way of borrowing for any period of time.

Jeremy Warner: McDonald's has better credit rating than Britain

Outlook The market never lies. Britain is more likely to go bust than McDonald's and Coca-Cola, if spreads on "credit default swaps" (CDSs), which measure the cost of insuring debt against the risk of default, are anything to go by. As our graphic on page 37 shows, some time towards the end of September, or about the same time as Bradford & Bingley was nationalised, the cost of insuring British Government debt against default became more expensive than that of a number of leading American companies.

Beginner's guide to: Overdrafts

Now banks raise credit card costs

Banks have increased interest rates on credit and debit cards held by tens of millions of shoppers despite the cost of borrowing falling to its lowest level for more than 50 years, research for The Independent reveals today.

Meet the credit card that can cut the cost of your Christmas spree

Cashback deals could save you money, if you are smart. Nargis Ahmad and Julian Knight report

Summer camp beckons for mini-billionaires

Today's feckless, globe-trotting billionaires squander their fortunes in Hamptons' night-clubs, or St Tropez, or Court 13 of the Royal Courts of Justice. But for tomorrow's generation, the business of being rich – and staying that way – will require an awful lot more hard work.

B&B braced for damaging credit rating report

Bradford & Bingley was last night preparing for more bad news, with the rating agency Moody's set to cut the mortgage bank's credit rating, just days before a crucial shareholder vote.

How much would you pay to stop them stealing your ID?

For up to £60 a year, you can take up a service that alerts you to financial applications made in your name. Kate Hughes asks if it's worth it
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Independent Travel
Pompeii, Capri & the Bay of Naples
Seven Cities of Italy
Burgundy, the River Rhone & Provence
Prague, Budapest and Vienna
Lake Garda
3.	Provence 6 nights B&B by train from £599pp
Prices correct as of 20 February 2015
Homeless Veterans campaign: Donations hit record-breaking £1m target after £300,000 gift from Lloyds Bank

Homeless Veterans campaign

Donations hit record-breaking £1m target after huge gift from Lloyds Bank
Flight MH370 a year on: Lost without a trace – but the search goes on

Lost without a trace

But, a year on, the search continues for Flight MH370
Germany's spymasters left red-faced after thieves break into brand new secret service HQ and steal taps

Germany's spy HQ springs a leak

Thieves break into new €1.5bn complex... to steal taps
International Women's Day 2015: Celebrating the whirlwind wit of Simone de Beauvoir

Whirlwind wit of Simone de Beauvoir

Simone de Beauvoir's seminal feminist polemic, 'The Second Sex', has been published in short-form for International Women's Day
Mark Zuckerberg’s hiring policy might suit him – but it wouldn’t work for me

Mark Zuckerberg’s hiring policy might suit him – but it wouldn’t work for me

Why would I want to employ someone I’d be happy to have as my boss, asks Simon Kelner
Confessions of a planespotter: With three Britons under arrest in the UAE, the perils have never been more apparent

Confessions of a planespotter

With three Britons under arrest in the UAE, the perils have never been more apparent. Sam Masters explains the appeal
Russia's gulag museum 'makes no mention' of Stalin's atrocities

Russia's gulag museum

Ministry of Culture-run site 'makes no mention' of Stalin's atrocities
The big fresh food con: Alarming truth behind the chocolate muffin that won't decay

The big fresh food con

Joanna Blythman reveals the alarming truth behind the chocolate muffin that won't decay
Virginia Ironside was my landlady: What is it like to live with an agony aunt on call 24/7?

Virginia Ironside was my landlady

Tim Willis reveals what it's like to live with an agony aunt on call 24/7
Paris Fashion Week 2015: The wit and wisdom of Manish Arora's exercise in high camp

Paris Fashion Week 2015

The wit and wisdom of Manish Arora's exercise in high camp
8 best workout DVDs

8 best workout DVDs

If your 'New Year new you' regime hasn’t lasted beyond February, why not try working out from home?
Paul Scholes column: I don't believe Jonny Evans was spitting at Papiss Cissé. It was a reflex. But what the Newcastle striker did next was horrible

Paul Scholes column

I don't believe Evans was spitting at Cissé. It was a reflex. But what the Newcastle striker did next was horrible
Miguel Layun interview: From the Azteca to Vicarage Road with a million followers

From the Azteca to Vicarage Road with a million followers

Miguel Layun is a star in Mexico where he was criticised for leaving to join Watford. But he says he sees the bigger picture
Frank Warren column: Amir Khan ready to meet winner of Floyd Mayweather v Manny Pacquiao

Khan ready to meet winner of Mayweather v Pacquiao

The Bolton fighter is unlikely to take on Kell Brook with two superstar opponents on the horizon, says Frank Warren
War with Isis: Iraq's government fights to win back Tikrit from militants - but then what?

Baghdad fights to win back Tikrit from Isis – but then what?

Patrick Cockburn reports from Kirkuk on a conflict which sectarianism has made intractable