So even if people are borrowing to pay bills, it is not permanent borrowings.
Household credit is falling because people are paying off their mortgages quicker than the banks are willing (or able) to offer new ones.
Credit card & overdraft loans would be in lessor amounts than mortgages.
Perhaps banks are quicker at offering a higher interest-bearing credit card & overdraft rather than a low interest-bearing mortgage ?
Even credit card and overdraft loans are still falling, or rather, revolving credit (less than 1 year duration) in general:https://www.centralbank.ie/publications ... 2016H2.pdf
See page 23.
Still, longer-term short-term debt is rising, but I'd be surprised if that was related to household bills (there's no evidence that it is, and it usually isn't).
Like jammy, I use my credit card to pay many bills, and pay it off each month.