Young shoppers risk building up debts by borrowing money to make buy now pay later repayments, Citizens Advice says.
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Half of 18 to 34-year-olds used different types of credit - such as credit cards or borrowing from family - to make the payments, it said.
Although the results were drawn from a survey, the charity said the answers highlighted the issue of people relying on one debt to cover another.
Changes are being made that make some of these debts clearer to lenders.
Popular credit
Buy now pay later has become a commonplace method of payment and credit for UK shoppers in recent years. It allows people to pay for purchases in instalments over a short-term fixed-payment schedule, and interest-free.
Some 17 million people in the UK, including 30% of those aged in their 20s, have used it. While popular, it has led to concerns over levels and visibility of debt - particularly as budgets are squeezed by the rising cost of living.
Citizens Advice surveyed 2,288 people who had used buy now pay later during the past 12 months.
'I was struggling'
Millie Harris, a debt adviser at Citizens Advice in East Devon, said: "Most of the people I speak to who are using buy now pay later live off overdrafts and credit cards, so are using these for repayments. It is just relying on one debt to pay off another debt.
"What scares me most is how easily people can slip into using it. They come to rely on it much more quickly than other forms of credit. It's just a few clicks at a checkout. Too often that means people don't realise how serious it is - that it is credit and there are consequences if they don't repay it."
One in 10 people in the survey said they did not fully understand how repayments would be set up.
