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Britain's "love affair with the credit card" has not ended, according to a national money education charity.

People are still reliant on credit cards to smooth out the peaks and troughs in their income, director of Credit Action Chris Tapp said.

Some people also rely on their cards to pay for essential living costs, he added.

Mr Tapp was responding to the latest statistics from the Bank of England, which revealed that credit card lending increased last month by around £0.1 billion, while there was a decrease in other loans and advances of around £0.3 billion.

He explained that although this is not a significant growth in credit card lending, it is performing slightly better than other types of credit, suggesting that people have not turned away from plastic.

"A lot of people will be using existing lines of credit on credit cards and also seeking new ones," he added.

However, Mr Tapp warned that it would not be good for people to become too reliant on credit cards to fund their everyday living.

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	Tesco ClubCard Credit Card
	9 months	15 months	16.9%
** 16.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.9% p.a(variable). **
	Virgin Credit Card
	20 months	3 months	16.8%
** 16.8% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.8% p.a(variable). **
	Barclaycard Platinum with BT
	22 months	3 months	17.5%
** 17.5% APR representative (variable). Based on a credit limit of 1200 and purchase rate 17.5% p.a(variable). **
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