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Stoozing: free cash from credit cards

Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.

Stoozing: Free Cash from Credit Cards sticky
💳 Here are some threads you might find useful: * Stoozing: Make Free Cash from Credit Cards - discussion * Stoozing Calculator - discussion * Curve Card technique - withdraw cash on any credit card with no fee 💳 And here's some relevant content from MoneySavingExpert.com: * Stoozing: Make free cash * 0% spending cards * 0%…
Quick way to create debt
Having recently cleared all credit card debt, I've been offered a fee free 0% BT on an existing card. I have very little spending coming up in the next month and looking for ideas to create £4000 worth of debt on my spending card that I can BT to the 0% deal card. Was thinking of making a large purchase, transferring the…
Is there a limit to Stoozing
Hi, I’ve been stoozing on 0% cards for years now, with savings interest now up from historical lows it’s really starting to pay. My question is this, Is there a limit on how much you can get away with stoozing before the banks start declining you new cards? I currently have around £12k over 3 0% cards. This is making about…
MBNA Mule Card - Offer removed?
I've noticed that my MBNA card is no longer offering zero fee money transters (instead just the 0% with x% fee option). Has anyone else had this? Is it just that these come and go or is it a wider change?
0% Balance transfer and add to ISA
So, I've got 8k on a credit card at 0%. I could either: a) pay off the 8k or b) balance transfer to another card for a 2% fee for 20 months (I think works out at about 1.3% APR) and then use the 8k in an ISA earning ~5%. My parents would say pay off the debt before saving (and I can hear Martin saying it too), but to me it…
Barclaycard 0% card they are increasing my credit limit
I have a stoozing card on 0% purchase with Barclaycard and they just sent me a letter saying that they are going to increase my credit limit (I did not request this they just said they are going to do it unless I decline). Can I assume that my 0% deal until August 2025 applies to the entire increased amount (it doesn't say…
2nd virgin card
Has anybody applied for a second virgin interest free credit card? If so, what kind of credit limit did you get compared to first one?
Best mule / strategy for new player
I'm relatively new to this game, have been 'slow stoozing' i.e. pushing all my daily spend to a 0% purchase card (HSBC purchase plus) for a while but I'm looking to up my game as it's going a bit slower than I'd like. I hold a bunch of AMEX cards (nothing to do with stoozing, just for benefits/rewards) as well as a…
Beginning to stooze
I think I can begin. I only have a credit card with lloyds and all I've done so far has been monthly spends and pay that back after the month's interest, so like £5 but I do have a money transfer with it which I've never used for 10 years. How do you apply for these massive amounts of credit MT?
Snoozin woozing newbie
Hi All, i have applied for the 0% for 21 months purchase Barclaycard - does this mean (depending on the limit given) I have to make purchases online/in store and only pay off the minimum every month and pay off the balance as the 21 month anniversary approaches ? ( so if you spend only 2k, you owe 2k). What is the quickest…
Do all banks/credit card issuers allow you to have more than one credit cards?
Do all banks/credit card issuers allow you to have more than one credit cards? If not, which ones will do? I am asking this because many years ago I applied for a second credit card with Tesco as they had a good balance transfer offer back then. At the time, I already had a Tesco credit card with a good credit limit and no…
Stoozing in 2025...
OK so I know no one has a crystal ball and can't say whether its worth stoozing in 2025 or not with any kind of certainty BUT, who is intending to do so and what is your rationale behind it? I have just taken on a 5 year fixed mortgage (i'm a stickler for financial certainty where possible and a little risk averse in that…
Tesco Credit Card MT & BT Offers
I have had a Tesco credit card for 10 years, never missed a payment, credit limit of £14000. Used to use it more when the clubcard reward vouchers were more appealing. Recently not used it much as have another o% 20 month spending card with Lloyds. I'm wondering if anyone else has any good offers from Tesco because all I…
Stoozing - Next Step sanity check
Hi All I am nearly at the peak of my stoozing, in 22 months my mortgage deal comes to an end, and at 6 months prior too that point I want to clear all my stoozed credit. I have 4 cards, 2 which all last until just before the point id want to clear already. My issue is the 2 cards that 0% ends in September and October this…
Stoozing - What's best thing to do next
Hello, I've just been approved for a Barclaycard 20 months at 0% with 1.99% fee balance transfer card offer with a £17000 limit. I also have an MBNA 0% fee money transfer with 6.9% P/A credit card. I was going to transfer £16000 of MBNA money from my MBNA credit card to my bank account and onto a 5.25% 90 day notice…
Have I messed up?
I am new to stoozing I have a balance on MBNA card of around £5000 at 0 percent for about another year. I pay minimum amount and have the £5000 in a savings account. I have now taken the 0 percent fee offer of 21 months and MT around £7500 today and immediately did a BT of the same amount from another 0 percent card. I…
Check your MBNA cards for a great MT opportunity
Hello, Thank you to all those that came before and inspired me to give this ago. I checked an old MBNA card I had for MT's and I had two offers one was with a 5% fee for 12mths at 0% and one was 0% fee and 6.9% p.a. for 24mths. I then applied for a Natwest BT card for 0% fee and 0% for 13mths. Did the BT from the MBNA then…
Stooping / buying a property
Hi all, Just interested in your thoughts on the following: Ive stoozed approx £9k across 3 cards, with the 0% periods ending at staggered periods beginning April 2025. In the next year I am intending to upsize from a one bedroomed flat to buying a small house with my partner. In general terms, is it feasible to continue to…
Stoozing - next steps
Have been stoozing for a while now, but would value any opinions or suggestions on my next steps. Ideally I’d like another 0% purchase card sometime between now and April/June 24, and/or a 0% balance transfer card around June/July 24, but need to improve credit rating first. In terms of credit rating I had 4 x credit card…
Can you have NatWest and RBS 0% BT cards simultaneously?
I have had a thorough rummage around their site and searched this forum (although the search facility seems poor so I may have missed it), but I can't find a statement on this anywhere. I opened a NatWest 0% BT card last week, and did a smallish (£3k) balance xfer as part of the application. Haven't received the card yet,…
Starting to Stooze
After years of using cashback credit and debit cards, finally decided to take it up a notch and move onto stoozing. Current interest rates on offer definitely helped with this decision. Successfully applied for the Barclaycard 21 month 0% card, which has now arrived. Activated and set up the app, also called them and got…

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