An increasing number of people are missing credit card repayments as finances are stretched by rising bills.
Lenders have told the Bank of England they expect the number of unpaid credit card debts to keep going up this autumn.
This could lead to more demand for advice on how to deal with debts â but, if you are struggling and need help, there are some traps to avoid.
And it is worth remembering that impartial advice is available free of charge from debt charities. So here's what to think about.
If you find yourself with money troubles, it can be tempting to seize any opportunity to get things back on track.