People should do more to protect themselves from fraud and so avoid serious debt problems.
Which? has found that one in ten consumers wrote their debit or credit card pins down somewhere or gave the details to another person in April.
James Daley editor of Which? Money says many people are reluctant to check bank statements so it takes longer to detect unusual activity.
Debt solutions can also help you get on top of your money worries.
An Individual Voluntary Arrangement (IVA) is available to people owing more than £15000 on things like credit cards, store cards and loans.
Debt Relief Orders (DRO) are available to those owing smaller amounts.
Visit http://www.clearstart.org for more information about debt solutions
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