Urgent. Huge 11% cashback on ALL Xmas spends
Bag free £100 on a mammoth new credit card deal | Yet you MUST do a best-buy balance transfer
It's the biggest credit card cashback deal we've ever seen (or dreamed of). You need to pass a credit check, but play your cards right & this new Barclaycard Platinum* gives a free £100 cash (min £20k income). First the stats, then how to do it...
Cashback: 11p per £1 spent up to £100 (£909 spending) but only till 31 Dec. Paid as credit in Feb
0% deals: 20mth 0% balance transfer (2.6% fee), 3mths 0% on all spending
Cashback condition: Must do min £100 balance transfer by phone (£250 online), work-around below
Standard APR: after 0%, it jumps to 17.5% representative APR
When will card come? You can apply until 30 Nov. Should arrive a week after approval.
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Get 11% cashback AND shift debts at 20mth 0%. View this Barclaycard* as a corking 20mth 0% with 2.6% fee balance transfer with up to £100 cash on top. Shift debts from other cards, then use it for ALL normal, planned Xmas spending (within credit limit) to max cashback. Best practice is to repay spending in the same month, so you're not increasing borrowing, and shift again or fully clear all debt within the 20mths to avoid the 17.5% rep. APR.
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Work-around to use only for
cashback. Do-able, but fiddly. As you must do a balance transfer to get the cashback, phone up to shift £100 from another card (if you don't usually use a card, just do normal spending on one to hit £100 then transfer it). Then use it for ALL normal & planned Xmas spend to max the cashback. For bigger planned expenditure, Capital One* (must be homeowner & earn £20k) pays 5% cashback for 3mths up to a maximum £100. With both cards, always set up a direct debit to repay IN FULL to avoid the 17.5%/19.9% rep APRs.
Full info & ALL best-buys in Guides: Top Cashback Cards, 0% Balance Transfers Related: Official APR Examples
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Airmiles dies today - urgent action needed
RIP Airmiles, embittered welcome to Avios | Act now to get max value for your points
Many Airmiles collectors nationwide have been spitting, kicking and protesting, but today's merger of reward schemes Airmiles and BA miles into Avios will go ahead. One Airmile becomes 10 Avios (while 1 BA mile becomes 1 Avios) and big changes are afoot. See our Airmiles Changes guide, here are the headlines.
 Airmiles collectors can beat charges. Under Avios, Airmiles collectors will pay taxes and charges when they book flights, which they didn't do before. Many will face a shock £300 on a New York return. Yet you can still book on the Airmiles scheme until 15 Dec, so if you've enough points, book soon to avoid paying more.
- A few gain under short-haul changes. While most should book flights in Airmiles by 15 Dec, on some European routes from non-London airports you could be better under the new scheme. Here, taxes & charges are capped at £27 for most and the 'non-London' points premium's gone, so the loss in cash may be offset if you need fewer points. To find out how, see the book or wait tips in our guide.
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Hold off exchanging Clubcard points for Airmiles. Unless you need the extra Airmiles to book before 15 Dec, wait before converting Tesco points to Airmiles until 26 Jan as there's a Clubcard promo starting for two months - instead of 250 Tesco points being worth the usual 600 Avios (60 Airmiles) they'll be worth 1,000.
- BA Miles collectors - little change. Only a few changes to the zone map.
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Flog it. Make fast cash by Xmas
Are you sitting on a hidden mini-treasure trove? Make £100s from unwanted stuff
If a few quid more in the Xmas fund would go a long way, now's the time to act. We've scythed through our Boost Your Income guide to find the floggable stuff where cash will come in time. Many small payouts can add up to a big windfall....
 Old CDs, DVDs & computer games. For speedy sales plug info on old CDs, DVDs & computer games into Music Magpie* & TurnIntoCash to get an instant price, then they give you a freepost label to download. The cash should arrive in a couple of weeks, at roughly £30 per 20 CDs, £35 per 20 DVDs and £40 per 20 games. For newish items, if you've a bit more time, sell them on eBay* to make more.
- Up to £250 for an old mobile. Whether you've recently upgraded or fancy a rummage through your drawers, old handsets can be worth serious cash. To find the best payer for any handset, use our MobileValuer comparison. There are huge differences between the best and worse. Eg, sell the HTC Desire S and get between £56 and £145. With selling iPhones, payouts can be £250.
- Flog old gold for £100s. Postal gold produces more horror stories than Stephen King, but we've found a few good ones, eg, £105 for an 18ct gold ring. Full run-down and how to avoid rip-offs in the Gold Selling guide.
- Clear your book-shelf for cash. Unless they're rare or collectable (then consider specialists) Amazon* & Green Metropolis are the best option for selling stacks of old books. Just tap out the title & a brief description. You may get £3 for a paperback in good condition, though this usually must cover postage costs, so factor that in.
- De-junk everything. Don't stop there, whatever else you've got, if you don't need it and won't use it, flog it. It may also release valuable space in your home. An easy way is eBay it - see the Ebay Selling guide. There are also car boot sales, antiques markets, classifieds like Gumtree and more.
Related: Reclaim Lost Tesco Points, Rent your parking space, give yourself a full Money Makeover
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