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Customers are paying £500 million more than they need on credit card balances as lenders are leaving expensive debt on their cards and using payments to eat into the interest-free balances, Nationwide has warned.The vast majority of credit card providers take this route - making sure any payments a customer makes are used to pay off the loan with the lowest rate of interest, such as a zero per cent balance transfer, meaning customers continue to be charged interest on more costly debts.

Nationwide has estimated that there are 10 million credit card accounts where this practice means they are paying more than they need. “When you make a payment, they apply it to the cheapest debt first. That makes it more expensive for you and more profitable for them,” explained Nationwide executive director, Stuart Bernau.

“This is a policy that enables the banks to make half a billion pounds of profit every year - or £50 per year for every credit cardholder affected. I don’t believe that consumers really understand how they are charged interest on their credit cards,” he added.

People are spending their savings on loans.The average Britton saves nearly £600 every quarter but then spends over a third of it to solve cashflow problems, new research has found.Building society Birmingham Midshires made the discovery as part of ongoing research into the nation’s savings habits.

It shows that the savings gap is more than a case of people not saving. Since August over 60 per cent of the population have put money away, but are unable to leave it alone.Overspending is top of the list of reasons for raiding savings, with people on average taking over £50 from their savings to solve cashflow problems.Household emergencies and loans also hinder saving, while on a lighter note last minute holidays and retail therapy also feature.

Tim Hague, head of savings and investments marketing at Birmingham Midshires commented: “It is encouraging to see that savings levels have reached an average of £587.38 per person in the UK over the course of the last three months.

Christmas credit card loans can lead to serious debt if shoppers fall into the minimum repayment trap, the Consumer Credit Counselling Service (CCCS) has said.Research carried out by CCCS has found that the average Christmas spend of £813 is significantly increased if credit card holders only pay the minimum amount.After six months of just paying the minimum there will still be £748.77 to pay on the credit card.

Consumers will have paid out £117.88, only £64.23 of which will have gone towards the cost of the presents themselves. Malcolm Hurlston, chairman of CCCS, advises: “Only paying off the minimum amount on your credit cards can lead to financial misery later on.”CCCS would like credit card companies to make it clear on statements that making minimum repayments does have cost implications.”