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But while deals offering generous cashback upfront may seem appealing to cash-strapped borrowers, brokers generally advise against them because there is invariably some kind of trade-off.
The cashback is available on purchases but not cash advances, bill payments or foreign exchange.
As the January sales continue, the dealer is taking early action by offering new car buyers competitive cashback offers.
Use your debit card where you can and make the most of cashback offers at the supermarket and elsewhere.
Typical incentives offered by builders include cashback deals of up to E10,000.
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