If you want some­thing to change in govern­ment, replying to consulta­tions is one of the best ways to do it. But consulta­tions aren’t the end of the line. When everything’s over and the dust has settled, the govern­ment has to come up with a response docu­ment.

Usually this tells you what feed­back they’ve had from you, the industry and experts, and what they’ve decided to go ahead and do, based on that feedback.

So Simply Understand has done it’s first ever response docu­ment, after the credit card consulta­tion me and my friend Matt helped out on in October.

Find out how UK credit cards will be chan­ging from next year! There’s a plain English version, and a podcast too. Enjoy!