§ Mr. Gardiner
To ask the Secretary of State for Trade and Industry (1) if she will review the practice of differential charging structures for credit card cheque books as part of the review of the Consumer Credit. Act 1974; 
(2) if her Department will ban the issuing of unsolicited credit card cheque books as part of its review of the Consumer Credit Act 1974. 
§ Mr. Sutcliffe
I refer my hon. Friend to the answer that my predecessor, my hon. Friend the Member for Welwyn Hatfield (Miss Johnson) gave him on 5 June 2003,Official Report, columns 531-32W. However I should emphasise that I believe that the practice of sending unsolicited credit card cheques should be discouraged but that this issue should be addressed by the credit industry changing its codes of practice rather than by regulation.