Credit cards were used by many Britons in January as they waited for pay day at the end of the month.
Millions of people racked up debts on their credit cards last month.
Over 11 million people relied on their credit card to meet living costs in January, according to the annual Post Office Consumer Credit Report.
The figure equates to almost 35% of the total number of credit card holders in the UK.
The report found that 43% of people used their card to pay for grocery shopping with one in ten participants admitting that they needed to use their card because of the long six week gap between their pre-Christmas and January pay cheques.