Cashback v Interest

crumpet_man

jadex said:

crumpet_man said:

Just to through another option in the mix, I use Zilch (2% at selected retailers including Amazon and 0.5% everywhere else) in combination with Curve card and Santander Edge 2%.

I think Zilch is treated like a credit card by merchants as it does not work for financial transactions such as paying a credit card.

Interesting. So, are you shielding Santander Edge credit card from Zilch by using Curve which is a debit card?
So Zilch takes money not from your current account but from credit card?
Clever.
Triple cashback possibly from all cards if all stars are aligned.

Correct, Zilch has to have a debit card linked.  I have a curve metal subscription and if I spend at certain retailers I can get 2% Zilch, 1% Curve and 2% Santander.

ZeroSum

Surely better off paying on a 0% credit card & getting about 15 months of interest 

phillw

ZeroSum said:

Surely better off paying on a 0% credit card & getting about 15 months of interest 

For the first 8 months at least, if you don't max out the credit limit then it's not worth using for the last few months (especially as you won't even get the 45 days interest free credit on transactions made just before the 0% expires).

ZeroSum

phillw said:

ZeroSum said:

Surely better off paying on a 0% credit card & getting about 15 months of interest 

For the first 8 months at least, if you don't max out the credit limit then it's not worth using for the last few months (especially as you won't even get the 45 days interest free credit on transactions made just before the 0% expires).

Of course, that's probably a similar timescale that I normally use anyway. Try & max out within about 6 months, then leave for 9-12 months before clearing or bal transfer