Households need to take action to reduce their credit card bills if they want to avoid panic setting in on so-called "Debt Day", a consumer campaigner has warned.Martin Lewis, founder of www.moneysavingexpert.com, said the time has now come when the cost of Christmas spending begins to hit home.Bills are dropping through the letterbox for the first time since the party season ended.And Mr Lewis insists that unless people review the way they intend to pay off debt, they could be looking at a lengthy period deep in the red.He pointed out that the country had now reached "Debt Day".

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