‘Pret Perks’ launches today – how does it work?

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• Vasco says:

  30 Nov30 November 09:36

  I never used my card for any NSI activity and still got cancelled

  • davefl says:

    30 Nov30 November 10:11

    Ditto. My average IHG spend over the past year was about 250/month to retailers only.

  • Benilyn says:

    30 Nov30 November 12:02

    Creation are woke

• Greg says:

  30 Nov30 November 09:50

  Why does everybody go on about ERNIE and buying and selling premium bonds – an NS&I direct (instant access) saver is (was) much easier.

  • Rui N. says:

    30 Nov30 November 10:04

    That’s what I had 🙂

  • Chrism20 says:

    30 Nov30 November 10:04

    Because Ernie also pays out prizes. With interest rates at what they are you are better taking the chance of Ernie picking your numbers than the minuscule interest you’ll get from the savings account.

    You can also from my understanding withdraw after the Ernie draw and recycle the cash through before Ernie picks the next set of numbers.

    • John says:

      30 Nov30 November 10:12

      No, you’d skip a month.

      If it’s your actual money, depositing on the 2nd of a month is equivalent to depositing on the 28th, so you might as well let the money earn elsewhere for those 4 weeks. When it comes from a credit card you only need to time it after your statement cut off so you get 56 days to pay it back

      • Chrism20 says:

        30 Nov30 November 10:39

        I knew I’d get something wrong with the explanation 🙄

  • John says:

    30 Nov30 November 10:06

    Because we were depositing, not recycling, and PBs have the highest expected value plus tax-free

    • Rui N. says:

      30 Nov30 November 10:10

      LOL Yes, all the people here discussing PBs (and how long it took until they could be withdrawn) were depositing! ROTFL

      • John says:

        30 Nov30 November 10:13

        I’ve never withdrawn from Ernie.

        • Froggee says:

          30 Nov30 November 10:22

          you can only put £50k in premium bonds. What do you do in week 2?

        • Rob says:

          30 Nov30 November 10:25

          You mean ‘what do you do on Day 2?’.

          You withdraw it all.

          Guess what you do on Day 3.

        • Rui N. says:

          30 Nov30 November 10:32

          Well Rob, not everyone had access to multiple Curve cards with £9k daily limits and accompanying credit limits in their cards! Some had to live with more pedestrians numbers and it took a few days to get to £50k.

  • xcalx says:

    30 Nov30 November 11:08

    This

    • Blenz101 says:

      30 Nov30 November 11:58

      Those with Tesco debit cards and plenty of capital did amazingly well.

      • Ryan says:

        30 Nov30 November 13:48

        All the way up to today! Shame to see that go

• Colin says:

  30 Nov30 November 09:52

  Creation have repaid my annual fee in full this week.

• James says:

  30 Nov30 November 09:58

  Has anyone managed to convince Creation to reverse their decision to close your account ?

  • Char Char says:

    30 Nov30 November 12:04

    No and i wouldn’t bother

• BuildBackBetter says:

  30 Nov30 November 10:07

  A simple solution for NS&I would be to have an annual limit on top ups like ISAs. Use it or lose it.
  Number of people who would be genuinely impacted should be tiny.

  • MadHatter says:

    30 Nov30 November 10:09

    It wouldn’t stop people paying money in and then moving it straight out again?

    • BuildBackBetter says:

      30 Nov30 November 10:15

      They can only do it to the annual limit once. A small win for them and ‘low level background noise’ for Ernie.

  • Rui N. says:

    30 Nov30 November 10:11

    Much simpler would just be to block Curve…

  • John says:

    30 Nov30 November 10:14

    You mean effectively say everyone has a £50k curve annual allowance?

  • JDB says:

    30 Nov30 November 20:44

    For the UK’s national savings bank to impose such limits would be totally absurd as it is a key source of government funding.

    • TGLoyalty says:

      30 Nov30 November 23:44

      So we were all keeping the lights on … should be applauded for using our credit to keep them funded with thousands each at any one time.

      • Track says:

        1 Dec1 December 00:25

        Actually yes, because short-term < 2M holdings of PB earn nothing.

        eg if you deposit 1st May you have to wait full May, full June and only eligible for prize run end of June which is announced and paid first days of July.

• MadHatter says:

  30 Nov30 November 10:08

  Has anybody received a reply from Paul Henry yet?

  • Sprout says:

    30 Nov30 November 10:14

    You mean Benny (from Crossroads)?
    Safer to use codewords. 🙂

• Aston100 says:

  30 Nov30 November 10:12

  I think Paul the Destroyer and JDB the Apologist should have a long overdue battle royale showdown in an exclusive HfP article.
  Who will win? grab your popcorn and hang on tight.

  • ankomonkey says:

    30 Nov30 November 11:19

    🙂

• memesweeper says:

  30 Nov30 November 10:15

  Following yesterday’s detective work in the comments re. NS&I, I’d like to make it clear I am not Mr X

  • Rui N. says:

    30 Nov30 November 10:24

    That’s what Mr X would say!

    • ankomonkey says:

      30 Nov30 November 11:19

      🙂

  • LS says:

    30 Nov30 November 11:21

    I was pretty impressed by that detective work!

    • memesweeper says:

      30 Nov30 November 13:25

      so was I to be honest… but really, it wasn’t me!

  • BP says:

    30 Nov30 November 11:51

    Sorry if that wasn’t clear from my comments 😃

This article is closed to new comments. Feel free to ask your question in the HfP forums.