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The boom in interest-free credit cards is a ‘ticking time-bomb’ that could blow up in the faces of lenders and borrowers, experts have warned.

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.

Customers use them to pay for less costly items (£20 or under) without having to key in a PIN number or scrabble around for cash.

Instead, they simply scan their plastic over an electronic reader at the till.

However, they replace older cards only when they expire or a replacement is needed.

Ross Anderson, professor of security engineering at Cambridge University, also fears the contactless system could prove a boon for thieves.

Tf L last night admitted it is receiving at least one complaint every day about the issue, although the number of actual incidents is thought to be much higher.

Tf L added that it had refunded customers who complained their fares had been debited from their bank cards.

'Zero-per-cent initial rates could lure people into a debt trap.’Richard Koch, head of policy at the UK Cards Association trade body, insisted all applications were subject to affordability checks and said such offers saved customers money, while making terms and conditions clear.