Credit cards can have their advantages for spenders, although people need to keep their debt management in check, it is claimed.
Neil Munroe, external affairs director at Equifax, noted that credit cards offer some level of security, especially to those shopping on the internet.
He said: "As long as you are not negligent with it you are covered for losses through the banking code.
"If you use a debit card you are giving people access into your bank account."
Credit card users, however, need to look to the future with a level of caution, Mr Munroe suggested, with people perhaps not using them as broadly as they used to.
Focusing on keeping debts as manageable as possible is one way of helping make sure financial difficulties do not arise in the future, Mr Munroe added.
According to the latest quarterly statistical release from APACs, the UK Payments Association, plastic card spending was up 5.4 per cent from this time last year, reaching a total of £94.2 billion.
It also found that spending on credit cards in the first quarter of 2009 fell by three per cent compared to the same period in 2008, whereas spending on debit cards grew by four per cent.