Black Friday bargain-hunters should be wary of the flood of “buy now, pay later” offers at the checkout, money experts have warned, amid record numbers of people seeking help with shopping debts.

Billions of pounds will be spent online and in shops over the coming weeks, with more than one in three Britons said to be planning to use this form of credit to help stagger their Black Friday spending.

But debt organisations and charities say shoppers should think very carefully before succumbing to the temptation of clicking on the buy now, pay later (BNPL) button.

Citizens Advice said it was helping “more people than ever before” with BNPL-related problems. The charity added: “We urge people to take caution, especially if they are struggling with bills already.”

Meanwhile, Money Wellnes

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