"The main thing about people who have either store cards or credit cards is not just to pay the minimum amount back every month," CCCS spokeswoman Frances Walker commented.
"They must pay more than that back. So it's better for you … to clear the balances before you go on using the card," she continued.
She went on to say that the average consumer, borrowing £2,000 and paying just the minimum of that total back every month, would take 20 years to clear their debt.
"Some people like the deals you get with store cards, where you even get sales previews and things like that. It's really just about sensible use of cards," she added.
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