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New deals
Some potentially useful anecdotal info for fellow stoozers. It's a bit odd, seems like something flipped on my credit report/record (or the market!). I have a very large stoozing pot already, but I periodically run eligibility for new deals when old ones are heading to close, for example I have 8k on Nationwide ending next…
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Sanity check. Do the T's & C's of this Sainsburys BT / MT offer make sense?
Hi all. Yesterday I received a letter offering me a fee free 12 month 0% BT/MT from my Sainsburys credit card. Being an long time and avid stoozer, seeing this offer which allowed me to transfer 95% of my £18K limit, I naturally thought, "Great, £17K free cash out of the blue!". :) However, the difference here is that most…
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Would a CC mind a money transfer reason given as "Stoozing"?
I just received a 12 month 0% 0 fee money transfer offer. I have a 12K credit limit, and the card is unused. I would like to be greedy and go all in and take the entire 12K and stick it into Cash ISA and savings (and then Cash ISA when the new tax year begins). But I somewhat doubt they'd agree to give me the full balance…
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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…
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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…
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Any no fee balance transfer credit card out there, excluding Barclaycard 0% and Natwest 0%?
Hi, I have Barclaycard 0% balance transfer credit card until October 31st 2024 - £4000 limit and Natwest 0% balance transfer credit card until March 15th 2025 - £3500 limit Any recommendation? Many thanks.
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Paying off an old BT, with a BT - allocation of payment HSBC visa?
I have a HSBC card with a 0% BT of £1500 expiring Jan 2025, and 0% purchases of £3500 expiring May 2025. I want to BT the amount expiring in Jan 2025 to another card and have an offer to do this. My question is: will the BT amount automatically apply to the amount expiring in January? My other card (Barclaycard visa)…
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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…
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Pay off balance and then borrow again at 0%?
Hi Forumites, I have a question re stoozing. I have a credit card balance of around 13k, I also have just received a private pension payout. I need to buy a car but I'm thinking of clearing the credit card debt and then arranging a cash transfer up to the 13k again so that the debt is 0% until the deadline. My question is,…
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Stoozing and mortgage application
As a fairly common issue/question with Stoozing is how it might affect mortgage applications, so I thought it might be helpful to give my recent experience with a mortgage application (Yorkshire Building Society). We planned to buy a new house in my wife's name only, and kept her Stoozing quite restrained (68%…
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Ulster BT
Hi all. Has anyone else managed to do a BT through the Ulster app? I don't see the option so wondering if phone is the only way. Does anyone know if its an automated method over phone?
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Is it worth keeping card accounts open?
I am stoozing on four cards at the moment, current balance is around £12k. I have a credit card with Virgin with £2200 available and Santander with £4000 available. Is it worth me keeping these accounts open for when the 0% period ends on my other cards next year, or will closing them generate more offers for 'new'…
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New Credit Card Barclaycard
Hello everyone! I’m new to credit cards and have a few questions. I’ve come across a Barclays card that offers up to 22 months interest-free, and I’m wondering about the best way to use it. * Can I use this card to pay for building service charges, car insurance, or even council tax? * Besides everyday purchases and…
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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…
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Stoozing: Make Free Cash from Credit Cards article discussion
This thread is to discuss the updated Stoozing: Make Free Cash from Credit Cards article Please click reply to discuss
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Lloyds credit limits
What kind of credit limit can you expect from Lloyds interest free credit card? I'm asking as there seems to be large variability in the interest free credit limits offered, e.g. my Barclaycard is £4k and Virgin is £12.5k. I'm getting another credit card for stoozing and I'm preapproved for both Lloyds and MBNA. I've…
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2 cards with the same provider?
Can you have
two credit cards with the same provider? I have a long-standing
credit card with Barclaycard, over twenty years. I’ve just noticed they are
offering a O% on purchases card for up to 21 months. Now I would love to go for
this so I could do a bit of stoozing but would I be rejected due to having a
card with them…
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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…
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Stoozing -upping the anti and Move Funds Fees
Hi I have kind of stoozed to an extent for many years, whereby I get 0% cards and spend day to day on them until the 0% period ends or I have maxed out. I then pay them off just before the 0% ends, close them off and apply for a new one. By doing this I save money and earn interest elsewhere (although typically in shares…
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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…
