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One chief executive, who wished not to be named, told the Financial Times it was a ‘ticking time-bomb’.

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Former pensions minister Baroness Altmann described the cards as ‘dangerous’ and said they were luring millions into a ‘debt trap’.

Some lenders also charge no interest on new purchases, encouraging households to go on guilt-free shopping sprees – fuelling a £12billion surge in credit card borrowing over the past five years.

Industry experts last night warned these deals are storing up trouble for both households and banks.

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There are now 67 deals that charge zero interest on balance transfers for two years or more – up from none five years ago.

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