Credit Where Its Due Research from various organisations has shown that consumers have difficulty shopping around and understanding credit. A government research paper in 2003 found 56 per cent of consumers do not understand the terms of credit agreements; 77 per cent find the language of advertising confusing; 62 per cent are not aware that many banks charge a fee if they wish to pay off their loan early.The...... Similar Editorial : Bad Credit Credit Cards by Edward Vegliante. | Source : Improve My Credit Score