Store cards
I spoke recently about getting O% credit by card switching.
There are interest-free ways to borrow cash, yet people happily sign up for charge cards from the big stores, with rates approaching 30% a year.
They typically slap on big monthly charges for late payments too (£15 isn’t unusual).
They’re little better than theft, so if you’ve got one of the cards, cut it up, and pay off the balance.