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It came as the Old Lady reiterated its view that Brexit posed a bigger danger to finance in the European Union than the UK.
And its Financial Policy Committee (FPC) hinted that an emergency measure which freed up lenders' cash after the referendum could be reversed.
Step Change Debt Charity was contacted by a record 600,000 people seeking help in 2016.
The average unsecured debt of its clients increased for the first time in eight years, from £13,900 to £14,251.
Labour MP John Mann, a member of the Treasury Select Committee, said: 'I'm pleased that at last the Bank of England is taking the issue of unsecured credit card debt seriously.'It's something that the Government seems unwilling to properly recognise, but the amount we spend on debt interest each year is rising and this is a serious issue that the Bank needs to get to grips with.'As lenders fight for business in an era of ultra-low interest rates, competition for credit card customers has become increasingly fierce.