A study by PricewaterhouseCoopers (PwC) has predicted such trends in the light of using levels of debt and the prospect of tighter regulation of the industry.
It suggested that one of the ways costs will increase is that annual fees will become common again.
The firm noted that in the latest PwC Credit Confidence Survey, only 32 per cent of respondents agreed that they could make repayments on all their outstanding debts, compared with 56 per cent in the 2008 poll.
Such developments may suggest that those keen to get the best card will need to shop around carefully to find a good deal.
Responding to recent government proposals to regulate certain practices, MP for Runcorn Mike Hall said recently that the one that concerns him most is when providers raise interest rates without warning customers.
He told the Runcorn and Widnes Weekly News ministers should “ban or at least restrict” the ability of providers to do this.