When will people learn its not the number of credit cards but how you use them!

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  Update Note: 12/12/2017. I wrote this blog just before November’s base rate rise, predicting then UK rates would rise and Santander 123 wouldn’t follow. Well UK rates did rise, and Santander’s confirmed it won’t follow. So everything below still stands. Some of the alternative accounts and rates have shifted slightly, but most are pretty similar – just click...

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