We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Stoozing: free cash from credit cards

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

Credit card limit
I have a credit card with the Halifax with a limit of £3800 I switched bank accounts to HSBC and applied for a credit card and was accepted but only £1500 limit.My question is I only want 1 card and would prefer the HSBC with cash back. But if I cancel my Halifax card would that increase my chance of a better credit on my…
Balance and money transfer
In line with what I have been reading about balance transfers and purchases with different promotion endings, am I right in assuming that the amount I have paid into my account will go first in clearing my money transfer deal, when it ends in one year, and then on to my balance transfer deal, which ends in two years?
Latest payment date to avoid interest?
Hi all. I am hoping someone can help clarify what is the VERY LAST date one can wait to settle a credit card with an introductory 0% on purchases without incurring any interest? I have a Tesco Bank credit card whose 0% period expires on the date the November statement (17th). I have been putting the money to pay this off…
£1100 cashback for a valid Life Insurance policies with monthly premiums of £250+
Please feel free to direct this to the correct forum. I am considering "stoozing" the above Quidco/Beagle Street offer solely for the free £1100 and even cancelling the life insurance to get my initial premium back: will it work and of what should I be aware?
Moved: Rent a chair in a salon.
This discussion has been moved.
Credit Card Strategy - Hi CL, Lo to 0 usage over 5 cards
Hi, I have a £25K CL over 5 cards. I'm about to pay off the £4K 0% usage. Is it best to merge credit limits onto one card if I have 2 with one bank and get shot of all the others I'm not using with other providers? Or just sit tight on the £25K CL and wait for 0% transfer deals to come back? Thanks! S
Credit Card Refund Help
I recently purchased a mountain bike from a well known outdoors shop for the price of £1699. I paid for the mountain bike using my 'Tesco' Mastercard. Discovering several faults with the bike, I had to return it to the store after less than a week, and as it could not be satisfactorily repaired, the manager of the store…
Working out interest deal
Hi guys, I need some help. My CC company have offered me 2 money transfer deals. The one I would normally opt for is the 0% interest free (albeit it's for a shorter period). The second one is 4.9% interest p.a. over 48 months with a 0% fee. The amount I'd borrow is £5580. The 48 month appeals. My brain is having a rough…
0% no-fee BT cards disappearing?
Is it just me, or have a lot of the 0% no-fee BT cards disappeared lately? I can only find Sainsbury's, NatWest (RBS), Halifax and Santander, all of which I already have. All the rest seem to have withdrawn their fee-free 0% offerings, unless I've missed any? Throughout my Stoozing career, I've never bothered with cards…
Unrequested with drawls from my credit card!
I am presently in dispute with TUI re a holiday that I cancelled. They are asking for a cancellation fee which I do not agree with. When this problem first arose, I decided to contact my credit card company, request that they did not pay any monies to TUI via a request from them, and to issue me a new card which they have…
Frozen account!
I’ve been today all day on the phone with Lloyds , complaint manager , customer service manager , branch manager , etc my account has been frozen and nobody from that list gave any reason for, they just saying it’s a delay with the account , I’ve got a 6 months old baby which I cannot feed because of this issue , I’ve got…
Stoozing effect on Credit Score
I'm in the early stages of looking to get a mortgage. I've got a copy of my credit report and the credit agreement section is "amber". I'm not entirely sure why - I had one late payment in 2016. However, my partner had one late payment in 2019 and is in the green. Is it possible that the two credit cards on 0% interest are…
Removed - incorrect category
Removed - incorrect category
Pay mortgage using a 0% credit card
Hi all, I was wondering whether there is a smart way to pay your mortgage using a 0% credit card? I know the method of using an offset mortgage, but are there any general ways of doing this, for any 'generic' British mortgage? Thank you!
Goodwill credit on halifax credit card statement
I have a closed halifax credit card account that I’ve been paying off for some time now. I’ve been paying sufficient to keep the account out of the definition of “persistent debt” And today I’ve received a letter saying that they’ve reduced my interest rate to 0% and credited £600 to my account as a good Will gesture.…
How can I maximise chance that new credit limit will match old?
I recently took out a 0% credit card from Virgin Money, and was given what I think is a very generous credit limit. When the 20 month period is over, I anticipate I'll be at or near this limit and will want to transfer the whole balance to another 0% card. But it's struck me that, for a brief period, this involves having…
End of Contract during lockdown
Hi all, I have had a 24 month contract with Three for an iPad with data that came to an end of 4th April. When I contacted them to cancel the contract and not renew they said they couldn't do it there and then because that team was not up and running in the lockdown as staff was short. They have said that they have noted…
Am I using my Credit card correctly
I’ve just got a credit card to improve my credit score, but I’m not sure If I’m using it correctly. So I’ve been spending on it and then going onto the app paying it off straight away. Is that ok or should I set up a direct debit for it to be paid Monthly?
Is my son self employed?
Hi, my son has been working for a landscape gardening firm for 18 months. They asked him to submit invoices for his work weekly and the firm told him that they paid his tax so this was deducted on his invoice accordingly. Is he entitled to anything under furlough? Should he have been submitting an invoice to tax office, he…
Tricked into removal of credit via AP
Hi. I’d be happy if somebody could point me how to move forward with the below. I contacted HSBC at the beginning of February and explained I was struggling to reduce the balance of the credit card due to the amount of interest being charged on the card. Balance: £6,300 Interest; £110 pm MP: £170 pm The lady discussed on…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

View All

Stoozing: free cash from credit cards

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Stoozing: free cash from credit cards

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free