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After the introductory period ends, the interest is suddenly increased to around 19 per cent or more, leaving those who have not paid off their cards in full facing huge bills.

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

About two years ago, I began noticing that I rarely woke up with an erection anymore and trips to bathroom at night were becoming more frequent and the uncontrollable spray when I urinated was becoming increasingly out of control and more frustrating.

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.

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

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