Has my hon. Friend considered outlawing the unfair order of payment on credit cards? That is a problem in my constituency and many others when constituents with 0 per cent. credit cards do not know that the cheapest debt is paid off first. They can therefore rack up extra debts without realising it. That has led to credit card providers making an estimated £500 million extra profit a year. In my constituency, the average debt for those who ask for help with debt is £35,000, so I hope that my hon. Friend will look into the matter.