keeping your money with OCUK when it could working for you and earning you more money is short sighted to say the least.
Ive seen statements like that numerous times now so I’d be interested in what you think your return on £850 would have been in the year - and when considering your answer keep in mind you still need to buy a card.
I have several investments which typically earn around 25 to 30% pa but they are fairly high risk. Higher risk still are some shares that have made me over ~300% last year but only because I took a
gamble last March when “the sales” were on. The latter being a
big exception to the norm.
So let’s say you could get 25% on your £850 you’d have around £1000 and no card. Note investments can go down as well as up.
Stay in the queue, you could get a card and sell it for a 300% profit or get the card you actually wanted to buy and save ~£1600
Worst case is you get your money back.
From my investments it may seem I’m a gambler but I know which odds I’d choose.