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As a proportion of consumer spending the use of credit and debit card spending has Nike Hoodies Online risen from 15 per cent in Nike Hoodie Royal Blue

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But credit card debt was increasing and by the end of last year 15 per cent of cardholders owed more than 1,500, while 8 per cent had debts of 2,500 and 4 per cent had outstanding balances of over 5,000.

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The research found that while credit card spending continued to grow, the increase in debit card use was spectacular, rising to 199bn from 162bn the previous year, more than doubling credit card expenditure.

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1992 to 44 per cent last year and 56 per cent of all adults now hold a debit card, while 49 per cent have a credit card.

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Mintel said if people owing more than 5,000 paid the minimum payment of 3 per cent of their balance, 150 a month and maintained this, it would be nearly four years before they cleared the debt assuming an annual percentage rate of 14.9.

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