Lenders Are Lending Again, But Consumers Hold Back

** The following is a paid post by a contributing writer.

Consumers worldwide could be forgiven for thinking that lenders and banks have been a little stingy of late with reason. Increased credit card interest rates, high mortgage deposits (not to mention the inflated set up fees being charged on buy to let mortgages) and talk of bank charges on accounts are all a reality facing financial consumers. But figures released by research group Mintel have revealed that the reality, in the credit card market at least, is far from the public perception.

The last year full year’s figures show

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