What would you do to profit on that money? I read about stoozing on a money saving website. People spend on 0% purchase credit cards, then instead of paying the money off, they put the money on an interest bearing account and earn interest. To be honest earning £200 interest a year on a £20K credit card balance does not appeal to me. That's really bad return. I was thinking of risk free ways I can turn that 20K loan into something better. But it has to be risk free and easy to liquidate your investment in order to repay money if credit card company wants it paid back sooner. What are your thoughts? I was thinking ebay business with 20-30% ROI on each shipment completely sold, it could be lucrative. Additionally that per shipment. So you can restock 3-4 times a year and make your income grow.