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Lingering worries about a slowdown in the global economy and Europe's persistent debt crisis kept investors cautious.
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If a customer remains in persistent debt for another 18 months, firms must propose a repayment plan.
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Lingering worries about a slowdown in the global economy and Europe's persistent debt crisis also kept investors cautious.
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The FCA said it was concerned some firms were planning a blanket suspension of cards for all customers in the persistent debt category.
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Among the 3 million people with persistent debt, the average amount on credit cards is £3,464 or about £14bn in total.
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Persistent debt is defined as paying more in interest, fees and charges over 18 months than the principal on the card.