Hi Thomas, Yup it’s overpaying the credit card so that you have 0€ owed and money “to the good” on top. So essentially the credit card acts as a debit card in that case. I used to use this for withdrawing cash on holiday too as you wouldn’t be charged ATM withdrawal fees from a credit card compared to withdrawing from a debit card but only if the money was NOT in credit (aka a cash advance). Anyway if you do that, the purchases on the card are no longer protected apparently.

Hi Patrick, Thanks for reading and for the encouraging comments 🙂 Yup has considered the current account first myself before I found the credit card option but the current account might be another option for others who don’t want the temptation of a credit card 🙂

Actually, I just realised that there are no monthly fees associated with the credit card (only the stamp duty) and the current account has a 5 euro monthly fee, which would come out twice as much for the year in comparison. Maybe I should switch, too….well, learned even more again 😛

Firstly I would like to say that I truly enjoy your blog posts and have learned a lot from them, so thank you very much for sharing your thoughts and research with us! 🙂

Last year I came across the AnPost card and ended up applying for the AnPost Current Account due to the 5% cashback on my Lidl grocery shopping. Would you not consider applying for the Current Account instead of the credit card, given that you get the same exact benefits without having to pay the stamp duty?

Hi Aoife, Thanks for that. I had a look and can’t seem to see any details about the cashback? I see perks on things like booking.com and adidas but nothing on cashback specifically?