CREDIT-blacklisted Wiganers are having to fork out an extra £12m a year because they are not allowed to shop online.
The figures are a stark illustration of how debt itself can lead to more financial woes.
Payment provider Ukash, which enables people to shop online without a credit card or bank account, found that a third of the shoppers who have been refused credit are unaware that you can buy goods online using alternative payment methods.
As a result, those shoppers are being forced to pay high street prices - on average 34 per cent higher than online retailers.
That accounts for one in four Wigan families who are spending an extra £11,883,3151 per year.
The majority of those refused credit feel there is still a stigma attached, with almost half feeling embarrassed and frustrated by the inability to access bargains online. A quarter felt the decision to refuse them credit was unfair.
In addition to the financial burden of being forced to shop on the high street rather than online, the biggest issues facing online shoppers refused credit in the North are:
It was impossible to pay for more expensive items;
It was difficult to buy anything online;
It was hard to get a mobile phone contract;
Paying for a holiday was difficult.
UKash marketing director Miranda McLean said: “These results reveal just how huge an impact credit refusal can have on a person – not just on their self-esteem but also on their ability to budget and save effectively.
“The need for retailers to offer alternative payment methods to online shoppers who don’t have a bank account or a credit card is clear. We hope this research highlights to shoppers that they shouldn’t feel financially excluded or unable to take advantage of online bargains that most of us take for granted.”