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As many as two-fifths of those surveyed said they were already worrying about how they will cope with the costs this year, the Money Advice Service found. A third said they will ramp up their credit card debts to pay for the festivities. More than one million people, 2.44 per cent, plan to take out a payday loan to cover the cost of Christmas.
Official statistics from The Insolvency Service shows that there were 26,030 people were declared insolvent between July and September.
This is Money has identified the best credit card deals out there that will help you spread the cost of Christmas and give you the best chance of paying off your debts afterwards.
Official figures due to be released by The Insolvency Service on Friday are expected to show that personal insolvencies have fallen to their lowest levels since 2008.
There were 115,247 complaints over the sale of PPI made to the Ombudsman between April and September, down from 132,153 in the preceding three months.
A further one in ten also admitted that secret credit card spending caused arguments with their partner while 15% confessed to lying to their significant other.
The ambition is to save borrowers up to £1bn in loan interest repayments between now and March 2019. Kerry Maxwell recently asked for help from London Mutual Credit Union.
Fluid launches a new balance transfer card with a market-beating low fee of just 0.75 per cent and 12 months of 0 per cent interest.
118118 Money, a spin-off from the directory inquiries service, is asking borrowers to confirm how many Facebook friends they have when applying for a personal loan.
From April the FCA will take on the role of regulating the industry. This is Money's credit and loans expert Adam Uren has taken a closer look at what it is planning.
Labour MP and payday lending campaigner Stella Creasey is among those to hit out against proposed new rules for the industry from the City regulator.
The Post Office has this week sweetened its Platinum Balance Transfer deal, while Tesco Bank ups its game with a new low rate card.
Barclaycard has bumped up the appeal of its Freedom Rewards Credit card by offering extra points for online spends giving customers more opportunity to earn
The lender is a relative newcomer to the personal loans market but has drawn attention with rates on a par with or better than the leading High Street brands.
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If you're in need of cash but have a shabby credit record that means you keep getting rejected by High Street banks, do you know where to turn next? Though payday lending is the best known form of alternative credit, they are far from the cheapest. ...read
Geraldine Hall has had her life turned upside down after she was told she had not been approved for full funding by the SLC - days AFTER she had completed her first year of study.
Looking for a loan? Sainsbury's has knocked up to 0.3 per cent off its rates in a flash sale ending on Monday - should you take advantage of the cheap interest?
The worrying findings from Christians Against Poverty has highlighted the desperate circumstances people find themselves in that forces them to resort to payday loans.
American Express has boosted potential earnings with its Platinum Cashback Credit Card, meaning new customers could earn £125 in the first three months
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One in five of us expect to use a form of credit to pay for this year's festivities, but by the time December 25 has been and gone it could be that almost half of us have taken part in some form of seasonal borrowing. This is Money has identified the best credit card deals out there that will help you spread the cost of Christmas. ...read
If you are thinking of taking out a loan, read our guide to the key factors you must consider. From finding the best loan to common pitfalls you need to avoid.
Credit cards can be a useful tool if you find the right one but, with so many on offer it is like finding a needle in a haystack - get the low down on what's out there and how to make your decision.
Credit cards are a useful tool if you follow the rules. But if you don't keep track you can easily clock up a whole host of charges. So do you need one?
Switching your debts to a balance transfer card can speed up the repayment of debt, we reveal the best cards for it.
A friend of mine has run up large debts on credit cards and overdrafts but keeps on spending despite saying that he wants to do something about it. I am worried that he is simply getting deeper into trouble and think I should go against his wishes and tell his wife. Should I? ...read
She needs to clear debts on credit cards, overdrafts and payday loans, but has been quoted loan rates at 50%. I want to help but how much interest should I get her to pay?
Being charged to use your debit or credit card simply to pay for something can be an infuriating experience, so why does it happen and are these charges fair?
There's been a fall in the number of personal insolvencies but the danger of bankruptcy is ever-present: we explains the ins and outs of bankruptcy and the alternatives.
The card that’s right for you will depend on where you like to shop, but it's worth comparing rewards schemes to make sure you are getting the most from your weekly food spend
| Provider | Cashback* | |
|---|---|---|
| 1 | Amex Platinum | 5% |
| 2 | Capital One | 5% |
| 3 | Santander 123 | 3% |
| 4 | Asda | 1% |
| 5 | Sainsbury’s | 0.5% | *introductory offer periods vary |
Published by Associated Newspapers Ltd
Part of the Daily Mail, The Mail on Sunday & Metro Media Group
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