The Office of Fair Trading (OFT) has criticised credit card companies for making their products too complicated. It recommends that a comparison website is launched to make credit cards easier to compare with each other. The OFT found that 70% of customers do not shop around for a credit card and could be wasting money. An investigation was launched last April after it was found that the top 20 card issuers all have different ways of working out their interest charges. This means that cards with a low Annual Percentage Rate (APR) could be more expensive to use than those with a higher APR.