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This could mean this type of credit card holder will face an increasing amount of debt every month, David Rodgers, managing director of Debt Advice Foundation, said.

He was responding to a report by PricewaterhouseCoopers, which stated that there is likely to be "large scale change" within the credit card sector.

Written by Alex Adams

The report forecast that credit cards could be reinvented as a tool for payment rather than borrowing.

It also projected that APRs will increase and annual fees on credit cards will become common.

Mr Rodgers said that attitudes to credit cards are already changing, as can be seen in the decrease in credit card spending in the last year.

He added that credit card companies could become increasingly receptive to debt solutions for customers that require their cooperation.

"Debt solutions which aim to return some of the debt to the lender and to provide financial rehabilitation for the individual involved should come much higher up the agenda," he noted.

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Credit Cards	0% Balance Transfers	0% Purchases	APR Representative (Variable)
	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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