Analysis by the charity of polling by YouGov found that an estimated 782,529 adults in Scotland expect to increase their credit card use.

The charity is releasing the figures as part of its ‘Debt Happens’ campaign, which is encouraging people who are worried about money and debt to seek advice from their local CAB or online.

Previous research from the charity found that close to half a million adults in Scotland expected to go into debt during the cost of living crisis.

CAS financial health spokesperson Jemiel Benison said: “We went straight from the pandemic to the worst cost of living crisis in living memory and that has worn people’s financial resilience down to a point where they are really struggling.

“In some cases people are relying on credit card debt for essential spending like their food, energy or housing bills. With interest rates having gone up, that makes every single payment even more expensive on top of the impact inflation is having on things.

“If you are worried about money then seek advice from the Citizens Advice network as soon as possible.

“The network can provide specialist debt advice which can perhaps restructure or reduce your repayments, and advisers can also look at ways to maximise your income.

“It is easy to be cynical and think there is no help out there for you, but one in six people who sought advice last year from the Citizens Advice network saw a financial gain, the average value of which was over £4,200.

“The most important thing is to not put things off, and let money and debt worries build up until they are overwhelming. Our advice is free, impartial and confidential. We never charge anyone for advice and we are for everyone, whether you are in work or not. Debt happens, but the Citizens Advice network can help you through it.”