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One million households are at risk because they have had to resort to using credit cards to pay their mortgages or rent over the last 12 months, new research has revealed.

Research commissioned by ROOF, a housing and homelessness magazine published by Shelter, polled two thousand householders and discovered six per cent said they had relied upon a credit card to pay for their homes.

Shelter’s chief executive Adam Sampson claimed desperation was driving many people into high-cost debt as they are hit by the credit crunch, high interest rates and "unaffordable housing costs".

He said: "Ordinary people are being forced to seek more risky and expensive ways to stave off the threat of eviction and repossession."

Worryingly, financial advice source Moneyexpert.com discovered more than four million credit repayments were missed during the first half of 2007.

That worked out at around 694,506 missed repayments a month, usually carrying a penalty of £12.

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