Store Card market inquiry
Provisional findings report
Published: 14.09.05
Provisional
findings report
Appendices
Appendix
1.1: Terms of reference
Appendix
1.2: Market investigation references - store cards
Appendix
1.3: Variation of the terms of reference
Appendix
1.4: Evidence posted on the CC web site
Appendix
1.5: Submissions and oral evidence
Appendix
3.1: Store cards and their APRs at the end of March 2005
Appendix
3.2: Market shares of store card providers
Appendix
3.3: Store card insurance
Appendix
3.4: Details of store card insurance cover
Appendix
4.1: Information provided on monthly statements
Appendix
6.1: Two controlled experiments to reduce APRs offered to
store cardholders
Appendix
7.1: History of entry into the store card market
Appendix
7.2: New programmes
Appendix
7.3: Providers’ outsourcing arrangements
Appendix
7.4: Length of contracts
Appendix
7.5: Contracts reaching termination date, 2005 to 2015
Appendix
7.6: Evidence of switching
Appendix
7.7: An assessment of recent tenders
Appendix
7.8: Incidence of tendering
Appendix
7.9: Switching provider of a store card programme: providers’
approach and customers’ rights
Appendix
7.10: Payments to retailers
Appendix
8.1: Income and costs of store card providers
Appendix
8.2: Application credit scores, balances and profitability
Appendix
8.3: APR changes over time
Appendix
8.4: Approach to measuring profits and the cost of capital
Appendix
8.5: Detailed financial information on store card providers
Appendix
8.6: Comparative analysis of profitability of store card providers
Appendix
8.7: Information on late payment fees
Appendix
8.8: Cost-reflective APRs
Appendix
8.9: Analysis of store card profitability over the life cycle
Appendix
9.1: Quantification of consumer detriment
Glossary
Directory
of companies
Note: The Competition Commission has excluded from this published
version of the provisional findings report information which
the inquiry group considers should be excluded having regard
to the three considerations set out in section 244 of the
Enterprise Act 2002 (specified information: considerations
relevant to disclosure). The omissions are indicated by . .
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