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Many of those spending money on credit cards in the run up to Christmas will be taking advantage of 0per cent balance transfer offers - where credit cards charge no interest for an introductory period.

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‘Slow wage growth and a rise in private rents mean that despite the economic recovery many households face a difficult financial situation, which can lead to mounting pressure to take out loans and put costs on credit.' He said: ‘Part of this rise could be due to people shopping online or using credit to spread the cost of Christmas.

But if credit balances continue to increase at this rate into the New Year then concerns about a new and possibly unsustainable credit boom will grow.

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