not used a credit card for anything other than business for about 4 years.
are you still using your credit card?
like the above, I'm still in the habit of using a card for purchases and pay it off at month end. With an offset mortgage that reduces the interest by holding the money in my account for the extra month, so in effect I'm getting my mortgage rate of interest back on my purchases. Seems a bit dumb of me not to if you ask me.
And then up until recently, I've been card tarting around 0% interest rate for balance transfer cards to keep my mortgage down for the same reason as above. There were some great deals but now the trf fee is higher than the mortgage rate, that's not so good (although if you are in card 'debt' and can trf from 25-20% to 0% for a single 3% fee that is still a deal). I'm not worried though to admit that I've got £3K on a 0% card right now and have no intention on paying any less than the minimum each month until the deal runs out.
As I've said before: if you make them work for you they are in essence giving you free money, but if you can't manage your money and lack that discipline then they'll work you over something rotten.
[at the peak I had 'paid off' nearly £20K of my mortgage onto cards at 0%, and have gradually bled that back into the mortgage again. No-one else was offering the same interest return as a nett guaranteed 1% over base rate for instant access no penalty and I reckon it save me nearly £1200 over the course of it - while it lasted]
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