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1. Earn interest on money you've already spent!

When you make a purchase using a credit card, you can borrow free of interest for 45 to 59 days, depending on the card. By choosing to make more purchases with your credit card, your money stays in your current account for longer, earning more interest. So you're earning interest on money you've already spent!

You could:

* Put the weekly food and petrol bill on your credit card * Use your credit card for larger transactions * Time your larger transactions to hit the start of the statement, so that you earn interest on your spent money for longer.

Be warned that this approach will cost you a lot more in debt interest if you do not pay the card off in full at the end of each month.

A good bank account will be able to net you at most ?40 per annum using this method, but you can also do this using one of your credit cards!

Compare credit cards and current accounts online.

2. Borrow money to make money

With the stoozing technique, you look for credit cards that not only have 0% balance-transfer deals, but which also allow you to pay off overdrafts.

But, of course, you don't have an overdraft! So when you pay it in to your current account, it puts you further into credit. You then transfer the money to a decent easy access savings account (which you had opened previously), to earn you some interest.

A month before the 0% deal expires, you transfer the money back to your current account and pay off the credit-card debt.

This technique is not as profitable as it used to be, because 0% balance-transfer deals now come with a 2-3% fee! To make this technique profitable, you must transfer the money as soon as the card account is opened.

You must also stick to credit cards with good terms, such as those with 12-month deals and 2% fees. If you transfer a ?10,000 balance the fee is ?200. Even so, if use a savings account paying 5%, a higher-rate earner could expect to be almost ?100 better off and a basic-rate taxpayer closer to ?200.

See our 0% balance-transfer cards. One card suitable for stoozing is the Capital One Platinum Credit Card. Also, compare savings accounts.

Send Money With Credit Card

It’s true that learning process is continuous and never ending! Learning in student life is more important, as it shapes our future and leads us towards a right direction. Learning for students is not only confined in books and theories, but it also includes the rules and regulations of life. Money management is one among such things, which a student can learn easily by availing a student credit card.

Seems unbelievable thinking how a simple credit card can teach student money management? But it is true that with a student credit card, a student can start his first lesson of managing finance. Besides, with a student credit card, a student can cross the threshold of making a credit report.

A student credit card however is advantageous for students to meet their financial needs. Especially those students, who are away from their home, can get economical support with this credit card.

By availing a student credit card, a student can enjoy various facilities. These are like:

•If a student avail a low interest student credit card, some advantages will make him profitable. First and foremost advantage is the less burden of the interest rate, as here the interest rate is low. Many companies offer student credit card with the facility of 0% APR at least for six months. In such cases, a student can buy his all urgent things without any fear of the interest rate.

•Rewarding program of various student credit cards is also a big lure to students. Such rewards expand the scope of advantages.

•A prevention facility from various stakes like losing or missing credit cards and so on is available with a student credit card. Various lost card policies of a student credit card ensure students about the protection of card.

•Online accessibility of account is another benefit of a student credit card. This process is time saving as well as easy. With this option, students need not waste their time for going to company in order to check their account; instead, at anytime, anywhere they can check their account.

But students are advised to be conscious about the usage of a student credit card. In case of misuse the card or late payment, they can face the problem of excessive debt burden. So, do not be extravagant with your student credit card. And needless to say, while opting for a student credit card, a bit research will be beneficial always.

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Both Peter Spyr & Josephine Wingfield are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Peter Spyr has sinced written about articles on various topics from Leadership, Insurance and Poor Credit. Read this article in entirety at where you can also compare the markets. Peter Spyr's top article generates over 60500 views. to your Favourites.

Josephine Wingfield has sinced written about articles on various topics from Credit Cards Benefits, Credit Cards and Credit Card Solution. Josephine Wingfield is an expert credit advisor. She can give you some useful information regarding credit cards. She has done higher studies in finance from Cambridge University. To find credit card, 0% credit cards,. Josephine Wingfield's top article generates over 3600 views. to your Favourites.

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