Aspects of Universal Credit, such as the five-week wait, monthly payments and levels of support, risk causing financial difficulty and debt for some claimants.
Mae agweddau o Gredyd Cynhwysol, fel y cyfnod aros o bum wythnos, taliadau misol a lefelau cymorth, mewn perygl o achosi anawsterau ariannol a dyled i rai hawlwyr.