Banks are blocking the solution to a cheaper loan or credit card

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Cheap credit has been performing a vanishing trick recently. Even when you think you have spotted this rare beast, you apply for the credit card or the loan, only to discover your credit rating isn't good enough, and the best rates disappear before your very eyes. You're left with either accepting a worse rate or shopping around and risking damaging your credit score.

And banks are breaking with recommendations in order to force us into this miserable choice.