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Many Britons will have been shocked recently as their credit card bills reveal the full extent of their Christmas spending, an expert has claimed.

A spokesperson for price comparison and financial advice website Moneyfacts.co.uk has warned that many people remain unaware of the reality of what they spent until their bill arrives.

The spokesman urged: "When reality hits home and you see the size of your January credit card bill … why not see it as a kick up the backside to switch your credit card to a cheaper deal?"

However, for some debtors, changing credit cards is no longer an option as their credit rating has been left bruised by the increased cost of living causing them to miss paying bills.

Research conducted earlier this year by online comparison site moneysupermarket.com found 13 per cent of bull payers had skipped at least one payment last year, of which credit cards are the most likely to be missed.

For debtors facing bankruptcy as they run out of refinancing options, one possible alternative is an individual voluntary arrangement, usually known as an IVA.

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