I would like to repay my loan using a credit card, this will save me £ 423.18 in interest. I was told that i can not do this as Pounds to Pocket are a responsible lender. How can this be responsible lending, If i continue with Pounds to pocket I still have to pay £734.47 loan + £423.18 interest a total of £1157.65. If i Could pay my loan off today with a 0% credit card I could save the £423.18 interest and be dept free in 5 months and not the 8 months if I stay with Pounds to Pocket. this is a trap, it means that I can't move money around to save me paying interest. This is not responsible lending.