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%…
Offers for BT or MT
My existing Barclaycard is offering me a 0% BT for 20 months (3.3% fee) or 0% MT 19 months (3% fee). I am tempted to take the MT and add it to my stooze. From looking at the ts and cs I believe I could do this now, then let the next DD go through for the previous statement total, cancel the DD, make a manual payment to…
Money transfer offer: what max amount should I use?
I have a 20 month 0% interest money transfer offer for up to £5,400. My card limit is £6,000. Should I go for the full £5,400 or for less? I am not worried about the impact on my credit reference files as they are in good shape, and I won't need to apply for any loan / mortgage etc. The fee is 3%, and I can get a 6%18…
Stoozing card that also has no transaction charges for abroad
Are there any cards with 0% deals that also has free transactions abroad and/or free cash withdrawals abroad?
Stoozing end of the line - Some Advice Please
Hi I have been stoozing for around 10 years, my current pot is £38K spread over 8 cards. I'm now finding new offers on my existing cards drying up. In the past I would empty a balance transfer card when it came to the end of its offer period, leave if for a few months and then a new attractive offer would pop up. I’ve an…
BT offers - 0%?
I took out a Lloyd's card in June with a 15k limit. Interest free till Nov 24. Currently it's sitting at 10k balance so I have a few more months before I need to switch/obtain another card. I've not stoozed before but at these rates it makes sense, as well I can rapidly pile up the stooze account as a some of that 10k is…
HSBC CC: reloading BT
Hello all, I'm coming up to the end of my promotional period with my HSBC credit card for my 0% interest no-fee balance transfer. Was wondering if anyone had any experience "reloading" another BT once the full balance is paid off? By which I mean - does HSBC tend to re-offer this 0% no-fee promo on the same card once the…
Thoughts wanted on BT offers
Hi I have £2000 I'd like to BT. I have the money to pay it off if needed. One credit card offering 0% interest 3.5% fee for 18 months so on £2,000 would be £70 fee. Could put this money in an 18 month bond at 6.05% AER so I calculate at the end of 18 months It would be £2185.16. So taking the fee and the capital off of…
Using Paypal to turbocharge Stoozing
Hi all Today I opened a Cahoot account and sent the majority of my money there. I then realised that I had a payment I needed to make, and it will take 7 days before my internet banking is up and running with Cahoot. Rather than call them and try and return some of the money over the phone, I instead decided to send some…
Question re timing
Well I decided to have a go at this, I think I'm doing everything right but would appreciate any comments from seasoned stoozers. I have been accepted for an RBS 0% balance transfer (for 16 months) zero fee card, and requested to transfer almost £6k balance from another card. I was previously intending to pay that balance…
How many cards is too many?
Hi, I'm currently stoozing £12.5k across 2 credit cards, I'm thinking of stopping here but I've sort of now got used to seeing the balance build up in my savings and not leave my account so I'm considering a 3rd card. Is it a good idea or not? I'm very disciplined so there's no worries of accidentally stoozing a large sum…
New to stoozing
Ok, so I've never had a credit card before, but I've been looking into this stoozing for a while and feel it might be worth a go. I do have a mortgage, which has 3.5 years left of a 5 year fixed term. Will doing this affect me when remortgaging in the future? Also, if I do get a card, how do you pay off the minimum each…
Virgin Money money transfer offer - did I miss something?
Hi, I have recently got a credit card with Virgin Money that gives 0% on purchases until May 2024 and used only a small part of my credit limit there. They now offered me 0% balance or money transfer until Feb 2025 with a 2.5% fee, which is way better than the introductory offer (3% on balance transfer, 4 % on money…
New to stoozing - can I make a 0% interest one- off payment to British Gas?
Hi All. I’m a stoozing newbie, but read up on MSE advice and successfully applied for a Virgin Money card and a HSBC card (I didn’t mean to get both - long story but fine!) We owe British Gas £2000 because of paying too little on DD for ages; they have just put the DD up a lot to claw it back. I’d rather pay a lump sum and…
Vanquis account sold to a debt collection agency
Hello, just wondered if anybody else has had there Vanquis Credit Card account sold to a debt collection agency without any notice? Had a payment plan with Vanquis since Jan 2022 for the sum of £1500. Was paying £43 and as of Dec 22 I upped the payment to £100 has I could afford too. I also paid an extra £200 last month…
NatWest 0% Spending Card APR
I just got access to the app and it states that the APR is 23.9%, located under the credit limit - is this what others also see? The pre-contract email states that it's 0% for the first 23 months but the app says the APR is still 23.9. I'm just used to paying things off in full each month and just want to be sure, as I'm…
Clear Vehicle HP with CC, Then Balance Transfer
Hi, Hope someone can advise. I have a vehicle HP that I'd like to clear with my CC, then transfer the balance. Should I pay the HP, then apply for a balance transfer card or apply for the transfer card before clearing HP with CC. How can I be sure I'll get a transfer card with enough credit to move the credit over? Thanks
Stoozing with YNAB
Hi, I have been stoozing for well over a decade now. I have recently started managing my finances using YNAB. It works really well when I am buying things with my current account but I cannot think of a workaround to use it for stoozing. Has anyone on here managed to find a way to combine YNAB with stoozing (that is fairly…
Money Transfer
I'm new to this but if an existing credit card is offering me a money transfer on 0% for 15 months with 3.5% fee with about £14K available, does this mean what it seems... So I can tell them to transfer £14K to my current account, for a one off fee of about £500, and then I could make say 6% interest on that or whatever in…
Range of cards available for Stoozing
If I have taken a card for this for say 23 months, and then I pay off the card and close the account down, does that mean I can never Stooze with that company again, or could I then re-apply after a certain amount of time later? I'm just wondering because on this website there aren't actually that many cards available for…
Should I come back to stoozing?
I think I should! I spend about £500 on purchases a month totalling about £9500 over 19 months. If I get accepted for a Nat West 19 month 0% new purchases credit card, I will earn very roughly £190 interest over the 19 months on the cash I put in savings accounts at 4% or more, taking into account the minimum payments. If…

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