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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%…
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Better to Close old cards or Reduce limit
In your experience is it better to close old credit cards or reduce credit limit, in order to move forward with eligibility for new offers? I've worked through offers and limits, getting close to 150% of income as total available credit; however I've utilised less than 50% of credit. I'm not eligible for any new cards…
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How to prove income for new CC applications when retiring using savings / UFPLS.
Just a thought that occurred to me this morning. I'm an avid Stoozer for many years who is planning to retire in the next few months. Come this point, any new credit card applications will ask me my income (which can include pension income). Now, back in the days of the endowment / DB pension, this was an easy answer, but…
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Is MBNA currently a fee free mule / money transfer card for new customers?
Long time stoozer coming out of retirement to have another go, as I have a hungry offset mortgage that needs a few £1,000s! I noticed on a few post here that the MBNA credit card was recommended as a 'mule card'. Is it currently the case that a new customer, could expect to get Fee Free money transfers? Or are Fee Free…
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Refunding a positive balance using Barclaycard app
Hi All, Long time stoozer. Has anyone refunded a positive balance using the Barclaycard app recently? Is there an automated process or do you have to use the chat and get someone to do it?
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Relatively new to stoozing - first BT
Hi all, I'm relatively new to stoozing and currently building up a balance on my first 0% card with NatWest. I have about 2k left of my credit limit and use it for day to spending. My 0% offer lasts until Dec 26 and I pay the minimum payment by DD. My plan at the moment is to spend until I get close to the credit limit,…
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Buying discounted gift cards with credit card
I recently signed up for a Chase 0% purchase credit card which I have started using for stoozing and was wondering if I could buy a Sainsburys 2.5% discounted gift card via Lebara rewards do my usual grocery shop every week. I was thinking this would essentially get me the benefits of both interest in my savings account…
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When to stop?
I've been stoozing for a long time but have ramped it up a bit recently as I don't have to worry about my credit score any more (mortgage paid off etc). I've currently got about £45K of 0% debt on credit cards with available credit totalling £115K across all of my cards. I've been reluctant to close any cards down because…
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Crafty way to withdraw cash with much lower fee !!!??
If I was to buy my own credit/ debit card reader (£12 ??) and link it to myself, and then used my 0% credit card to pay myself however much (at around 1% ?? free from card reader) and then banked that money and stoozed it for the length of the 0% credit card offer (... or in other words made a purchase - to myself) is this…
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Yo-Yo balance transfer
I've got about £4k at 0% ending 31st January. This card also has about £2k available credit with a 0% offer. I also have another card offering a fee-free balance transfer at 9.9% APR. I was thinking of transferring the £4k to the 9.9% card, then once the transaction has cleared transferring it back. I reckon this would…
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The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next?
Hi all, I started stoozing just over a year ago after we moved house and got an offset mortgage. I've got to the point where my available credit on all cards is ~85% of my income, and my utilisation ratio is ~50%, all of which is on 0% spending cards for which the 0% periods start to expire this year. The remainder of my…
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Utilisation Ratio
Hi team, Don’t think I’ve seen a consensus answer to this: how much of your limit should you use on a given card (0% on purchases, or Balance Transfer, or Money Transfer)? I’ve heard 50%, a third, or even the full 90-95%. Assume that don’t want to decimate my credit score, and that I will need to apply for new cards within…
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Virgin Credit Card Balance Transfer
Hi, I have a Virgin Credit Card offer of 3.5% money transfer with 0% fee until October 27. Have £16435 available to transfer to my bank and then invest at 4.5% fixed for 1 year with invested and thereafter rate to be confirmed. I've run some figures through AI and it's come up with the following, do you think it's worth…
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Balance transfer layered on a balance transfer
Have had a flick through small print but can't work out what the impact of this would be so seeing if others have lived experience to confirm. Used a 0% BT to Barclaycard for 18 months which has 12 months still to run. They've now increased my credit limit and made the same 0% BT offer (18 month) which in theory is good…
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Transfer from card in Partners name
Haven't been doing balance transfers for a few years now but have got back into the game and trying to transfer a balance from a Natwest card in my name to a Lloyd's one in my wife's name but Lloyd's keep rejecting it. Has there been some change of rules about transferring a balance from a card in another person's name?
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HSBC credit card
hi I was banking with hsbc for around 5 years and had account and credit card. Around 2 years ago they closed my account without explanation. Apparently they don’t have to. Branch manager said he could understand why as no suspicious activity on my account. i have a really great credit rating and can borrow large amounts…
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When to clear/shift balance
New to this, interest free period ends 6 Mar 2026 - when should I apply for another card if I want to shift the debt? Or if I want to clear the balance is it just a case of making a payment a few days before 6 Match? Thanks
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What do you do with your "profit" ?
Hey all So I started stoozing last October 2024. I've tracked my interest earned over this time and am now at £2.52 a day. £75 ISH a month. i want to maximise the use/potential so I was thinking of adding this to my pension each month and receiving the tax relief as well. What do you guys do to make best use of your profit…
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stoozing forum - now lemon fool?
Sorry, but ive not logged in for a while and my login doesnt appear to be working anymore..having not been that active for a while its probably my own fault...Is stooz still on here?
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I keep getting 0% balance transfer offers WITH a 2.99% fee?
So they are not 0% at all, right? What am I not understanding? So sorry to sound daft. I am new to stoozing. Last year, I got a 0% purchases card (10K) whose 0% deal expires in January BUT I'm holding a mental note for myself for October or November to pay it off, just over 12 months. I've put the money into several…
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3% fee BT on Virgin Credit Card
Hi, I've been offered 0% interest 3% fee on an existing credit card with Virgin for 12 months, the limit is £17500 with zero balance. Has anyone been offered any lower fees on BT credit cards, I don't seem to be getting any better offers at the moment.
