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Credit card debt is becoming more difficult to clear as lenders change their policies in the wake of the credit crunch, it has been claimed.

Beccy Boden-Wilks, a debt adviser and spokesperson for National Debtline, has suggested that the removal of many balance transfer deals from the market has left many credit card users struggling to manage their debts effectively.

For many people, difficulties in clearing credit card debt is having a knock-on effect on the rest of their finances and leaving them without enough cash to solve their most pressing debt problems.

"One of the major effects of the credit crunch is that people can’t manage their large amount of debt as cheaply as they could before," said Ms Boden-Wilks.

"If people can’t afford their non-priority debts anymore sometimes they’ll stop paying their mortgage as well."

Recent estimates from Sainsbury’s Finance suggested that UK consumers would transfer around £1.1 billion worth of credit card debt over the course of this year.

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