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Store Card Credit Services market investigation

Date of referral: 18.03.04 Statutory deadline: 17.03.06

Final report and Appendices & Glossary

Date published: 07.03.06

Final report
Final report (PDF, 820 Kb)

Appendices & Glossary
(The numbering of the appendices indicates the chapters to which they relate.)
Appendix 1.1: Terms of reference (PDF, 18 Kb)
Appendix 1.2: Varied terms of reference (PDF, 19 Kb)
Appendix 1.3: Variation of the terms of reference (PDF, 20 Kb)
Appendix 1.4: Conduct of the inquiry (PDF, 28 Kb)
Appendix 1.5: Evidence posted on the CC website (PDF, 22 Kb)
Appendix 1.6: Submissions and oral evidence (PDF, 23 Kb)
Appendix 3.1: Store cards and their APRs at the end of March 2005 (PDF, 53 Kb)
Appendix 3.2: Market shares of store card providers (PDF, 44 Kb)
Appendix 3.3: Store card insurance (PDF, 48 Kb)
Appendix 3.4: Details of store card insurance cover (PDF, 42 Kb)
Appendix 4.1: Information provided on monthly statements (PDF, 46 Kb)
Appendix 6.1: Two controlled experiments to reduce APRs offered to store cardholders (PDF, 22 Kb)
Appendix 7.1: History of entry into the store card market (PDF, 11 Kb)
Appendix 7.2: New programmes from 1999 to 2003 (PDF, 14 Kb)
Appendix 7.3: Providers’ outsourcing arrangements (PDF, 54 Kb)
Appendix 7.4: Length of contracts (PDF, 25 Kb)
Appendix 7.5: Contracts reaching termination date, 2005 to 2015 (PDF, 13 Kb)
Appendix 7.6: Evidence of switching (PDF, 11 Kb)
Appendix 7.7: An assessment of tenders (PDF, 17 Kb)
Appendix 7.8: Incidence of tendering (PDF, 48 Kb)
Appendix 7.9: Switching provider of a store card programme: providers’ approach and customers’ right (PDF, 30 Kb)
Appendix 7.10: Payments to retailers (PDF, 18 Kb)
Appendix 8.1: Income and costs of store card providers (PDF, 47 Kb)
Appendix 8.2: Application credit scores, balances and profitability (PDF, 266 Kb)
Appendix 8.3: APR changes over time (PDF, 117 Kb)
Appendix 8.4: Approach to measuring profits and the cost of capital (PDF, 191 Kb)
Appendix 8.5: Detailed financial information on store card providers (PDF, 285 Kb)
Appendix 8.6: Comparative analysis of profitability of store card providers (PDF, 92 Kb)
Appendix 8.7: Information on late payment fees (PDF, 57 Kb)
Appendix 8.8: Cost-reflective APRs (PDF, 42 Kb)
Appendix 8.9: Analysis of store card profitability over the life cycle (PDF, 116 Kb)
Appendix 9.1: Quantification of consumer detriment (PDF, 13 Kb)
Appendix 10.1: Notice of possible remedies under Rule 11 of the Competition Commission Rules of Procedure (PDF, 25 Kb)
Appendix 10.2: Illustration of proposed card statement format (PDF, 36 Kb)
Glossary (PDF, 47 Kb)
Directory of companies (PDF, 16 Kb)
Index (PDF, 233 Kb)