And the information is available to anybody under the Freedom of Information Act. This is because all other organisations are their competitors. The credit card companies cover themselves with the credit insurance organisations who charges high premium rates for the risk they are taking. In other words, there is a premium on dishonesty. In Keynesian macroeconomic terms the high cost of loanable funds is an indication of high inflation.
Inflation is kept artificially low by mopping up currency from the market with government bonds.
These government bonds are then traded on the market at a discount. The more the quantity of government bonds being traded on the market the higher is their discount rate. What has apparently never been understood is that monetary control is only a palliative and a temporary one at that. The government cannot reduce the minimum wage. That would be unpopular.