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Have Your Say: Credit card cheques

A person writing a cheque

State-owned banks are still sending out blank credit card cheques to customers who have not asked for them.

This is despite a recent government pledge to ban credit card companies from doing so.

And despite various probes into the market, the number of credit card cheques in circulation is rising.

We asked for your comments, a selection of which are below. This debate is now closed.


I find these things infuriating as they're printed with my details and it means all the more paper I have to shred before recycling.
Helen, London

Shred 'em - they are unsolicited junk mail! If you wanted a cheque book you would have asked for one.
Peter, Shrewsbury

My bank sends non-requested bank cheques. I do not use them and do not wish to receive them. I have phoned the bank and they say I cannot cancel them, just to shred them! What a waste... tempting those who have little money to use these cheques!
S Stringer, Nr Portsmouth

My bank has been sending me blank credit card cheques on and off for the past year or so, but thanks to programmes like Money Box, I am well informed as to what to do with them as soon as I get them in the post - 30 seconds later they are in the shredder.
John Davies, Torfaen

I asked my credit card company to stop sending me credit card cheques and it ignored my request.
Maria Evans, Liverpool

I used to receive these cheques from my card company before it was bought taken over. I have not had any since. I was puzzled as to why these would have been sent to me so I must be a bit thick. Fortunately, I did not use any of them but put them in the shredder as soon as they came in the post in case they fell into the wrong hands. I am horrified that there should have been so many downsides to these cheques and if I receive any more they will experience the sharp end of my e-mail invective. I thank the programme for exposing them.
Robert Appleson, London

I know very well that these are a stupid thing to use, so I just shred any I receive. What concerns me more is the idea that some might go astray in the post, giving someone my name, address and credit card number on a plate. They are a ridiculous item and no responsible bank should send them out. Why should I have to contact them - and last time I looked you had to write, not just ring - to stop them?
A Keys, Brigg

I can't see a problem. It is only an offer to use your existing credit in a different way. In fact, I resent some busybody telling me how I can or cannot manage my money. I think this service is excellent and I appreciate it.
Ron Smith, Bristol

I resigned myself to a future of tearing them up and chucking them in the bin
Frances Eustace, Somerset

It is not easy to stop the bank sending them. I rang my bank's number, it went through several rounds of options, none of which included credit card cheques, so I had to wait for attention and after half an hour of holding I resigned myself to a future of tearing them up and chucking them in the bin. I have never ever used one and consider that sending them unsolicited may present a security risk.
Frances Eustace, Somerset

This was an immature and overheated debate. It is patronising to presume that the public do not already know full well that credit card cheques are not the cheapest form of finance. Nobody is misled at all.
K, Ipswich

I don't see what is wrong with them. If the offer is good (ie a good rate) and they are used responsibly, why are we mitigating for people who do not bother to read the T&Cs? These cheques are good for doing balance transfers to clear overdrafts or store cards that would not be possible in the normal way.
Steve, London

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Credit card cheques, 18 April 2009
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