if you save your money you'll be rewarded with rate rises
if you get a lot of credit, you'll be hurt by rate rises
problem is, people want to out-do others with cars and electrical appliances such as plasma's and the new game consoles
all for the instant look
what should be changed is when a borrower borrows for a home loan on a certain interest rate then that rate should not ever change as a contract is supposed to be, or changed by the lender, this goes against the principle of a contract
