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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…
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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?
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0% Balance transfer and add to ISA
So, I've got 8k on a credit card at 0%. I could either: a) pay off the 8k or b) balance transfer to another card for a 2% fee for 20 months (I think works out at about 1.3% APR) and then use the 8k in an ISA earning ~5%. My parents would say pay off the debt before saving (and I can hear Martin saying it too), but to me it…
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2nd virgin card
Has anybody applied for a second virgin interest free credit card? If so, what kind of credit limit did you get compared to first one?
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Beginning to stooze
I think I can begin. I only have a credit card with lloyds and all I've done so far has been monthly spends and pay that back after the month's interest, so like £5 but I do have a money transfer with it which I've never used for 10 years. How do you apply for these massive amounts of credit MT?
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Snoozin woozing newbie
Hi All, i have applied for the 0% for 21 months purchase Barclaycard - does this mean (depending on the limit given) I have to make purchases online/in store and only pay off the minimum every month and pay off the balance as the 21 month anniversary approaches ? ( so if you spend only 2k, you owe 2k). What is the quickest…
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Do all banks/credit card issuers allow you to have more than one credit cards?
Do all banks/credit card issuers allow you to have more than one credit cards? If not, which ones will do? I am asking this because many years ago I applied for a second credit card with Tesco as they had a good balance transfer offer back then. At the time, I already had a Tesco credit card with a good credit limit and no…
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Tesco Credit Card MT & BT Offers
I have had a Tesco credit card for 10 years, never missed a payment, credit limit of £14000. Used to use it more when the clubcard reward vouchers were more appealing. Recently not used it much as have another o% 20 month spending card with Lloyds. I'm wondering if anyone else has any good offers from Tesco because all I…
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Stoozing - Next Step sanity check
Hi All I am nearly at the peak of my stoozing, in 22 months my mortgage deal comes to an end, and at 6 months prior too that point I want to clear all my stoozed credit. I have 4 cards, 2 which all last until just before the point id want to clear already. My issue is the 2 cards that 0% ends in September and October this…
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Stoozing - What's best thing to do next
Hello, I've just been approved for a Barclaycard 20 months at 0% with 1.99% fee balance transfer card offer with a £17000 limit. I also have an MBNA 0% fee money transfer with 6.9% P/A credit card. I was going to transfer £16000 of MBNA money from my MBNA credit card to my bank account and onto a 5.25% 90 day notice…
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Have I messed up?
I am new to stoozing I have a balance on MBNA card of around £5000 at 0 percent for about another year. I pay minimum amount and have the £5000 in a savings account. I have now taken the 0 percent fee offer of 21 months and MT around £7500 today and immediately did a BT of the same amount from another 0 percent card. I…
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Check your MBNA cards for a great MT opportunity
Hello, Thank you to all those that came before and inspired me to give this ago. I checked an old MBNA card I had for MT's and I had two offers one was with a 5% fee for 12mths at 0% and one was 0% fee and 6.9% p.a. for 24mths. I then applied for a Natwest BT card for 0% fee and 0% for 13mths. Did the BT from the MBNA then…
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Stooping / buying a property
Hi all, Just interested in your thoughts on the following: Ive stoozed approx £9k across 3 cards, with the 0% periods ending at staggered periods beginning April 2025. In the next year I am intending to upsize from a one bedroomed flat to buying a small house with my partner. In general terms, is it feasible to continue to…
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Can you have NatWest and RBS 0% BT cards simultaneously?
I have had a thorough rummage around their site and searched this forum (although the search facility seems poor so I may have missed it), but I can't find a statement on this anywhere. I opened a NatWest 0% BT card last week, and did a smallish (£3k) balance xfer as part of the application. Haven't received the card yet,…
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Starting to Stooze
After years of using cashback credit and debit cards, finally decided to take it up a notch and move onto stoozing. Current interest rates on offer definitely helped with this decision. Successfully applied for the Barclaycard 21 month 0% card, which has now arrived. Activated and set up the app, also called them and got…
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Stoozing and remortgaging
Hi all, a question for other stoozers We have been taking advantage of a low interest mortgage with increased stoozing, rather than making overpayments on the mortgage. Me and my partner have around £27k in savings but about £20k on 0% credit cards. Unfortunately we are due to remortgage in 5 months. If we stay with…
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Should I transfer money out of the credit card and put it in an ISA?
I have received an offer from the bank to
transfer money from my credit card to my bank account. This transfer would be
at 0% interest from now until 1 July 2025, but it comes with a 3.3% transfer
fee. I would need to make minimum monthly repayments on the card equivalent to
3% of the remaining balance and of course clear…
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Credit Card 0% deals and savings on benefits?
Hi guys n gals. I neither a saver nor a borrower as such. I have a bank account and just joined one of their saver accounts at £200pm for 12mths ONLY..then I got my weekly update from MSE about stoozing etc so I thought Id give it a go.I used USWITCH which was great it turns out and it already told me I was 100% gauranteed…
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Questions about decreasing credit limit on BT card and interest on new purchases
I managed to get a 0% BT Barclaycard. There's also a 3 mth 0% interest on new purchases. I want to do a balance transfer and intend to pay the minimum payment each month (it's why I got a 0% BT card), but if I were to make any new purchases within the first 3 months - how would that be tabulated? I.e. which interest gets…
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Zopa - likely credit limit?
Zopa have a 6 month 0% (fee free) deal at the moment. Anyone used them? If so, what were they like in terms of credit limit? I'm getting £5k-plus limits on other cards I sign up for - which would be worth me doing with Zopa - but I know some providers aiming at people with poor credit histories tend to offer low limits...
