Unfair credit card terms are to be outlawed under proposals being put forward by the government.
Credit card companies will be unable to increase customers' borrowing limits without permission or accept payments of interest only.
Consumer minister Kevin Brennan has set out a series of detailed proposals, based on the government's Consumer White Paper published in July.
Launched in a consultation document, measures include rules for the most expensive debt to be paid off first, as well as increasing minimum monthly repayments from their current low level to avoid customers taking decades to clear debts.
Consumer minister Kevin Brennan said: "Card companies have to get their act together and do more for consumers.
"My opinion is clear, the current relationship between card companies and consumers cannot go unchallenged. We need to put the customer back in the driving seat."
Under the proposed laws, measures include restrictions on rate increases without a proper explanation.
At present, it is common practice for credit card companies to raise customers' borrowing limits prior to asking their permission.
Brennan added: "It is not acceptable for card companies to impose complex and confusing terms and conditions that can leave people baffled, or to increase interest rates without a proper explanation.
"Consumers have a real responsibility to manage their finances properly, but they also have a right to clear information to enable them to do that. Consumers should not feel each month as if they've been exploited or disadvantaged."
The government plans were welcomed by consumer organisations.
Consumer Focus said: "Borrowers should be given at least a month's notice, and a full explanation, of any interest rate increases by their lender."
