I thought banks etc were supposed to be acting more responsibly now, but in the past week I have been offered two new credit cards, been exhorted to use my existing card more with the inducement of extra rewards if I spend an extra £300 in a month, offered interest free credit from mail order firms and my husband has been offered a loan.

We could have had thousands of pounds had we taken all their offers.

I know that they want to get the economy moving, but do they really expect two pensioners to rescue the retail market?