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.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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 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…
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.
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)…
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…
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,…
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%…
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?
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'…
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…
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…
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
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…
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…
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…
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…
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…
Closing out a card
One of my card's 0% deal ends in December and I may have to pay off the full balance (if I can't shift it to another deal). It's my first time and I'm wondering how best to do it. - Change the existing minimum amount DD to the full amount (but need to time it right so the last payment before the deal ends does actually…
Stoozing - time to move cards - BT or purchase help please
Hopefully a quick one. I've got a stoozed balance on a card, and have secured 2 new 0% / 0 BT fee cards to move it onto. We've also got the outstanding balance on next year's holiday to pay. Figured I might as well stooze that rather than paying it off now, and chuck the money in PBs. My question - the second card I've…
Do "Curve Fronted" transactions count as "Purchases" on the underlying card?
Just opened a Halifax 0% Purchases card, with the intention of just "slow-stoozing" by using it for my day-to-day spending (plus a moderate amount of mnfrd. spend) until it's full. However, it just struck me that, with easy-access savings interest rates in excess of 5% available, it would actually cost in to cough up the…
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?

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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