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Stoozing: free cash from credit cards

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

Optical Express - wrong prescription but NO REFUND!
i recently went into a Optical Express and foolishly ordered a new pair of glasses and paid a 50% deposit of around £300. i ordered on a Friday and all weekend thought that my prescription was incorrect (right was -0.75 weaker than my left eye, which felt strange as my left eye is hopeless compared to my right following a…
0% for 18 months
I have just got a Credit card with 18 months 0% on purchases. Now, colour me thick if you will, but does that mean from now until 18 months hence I get 0% interest... Or Everything I buy I get 18 months to pay without incurring interest on that particular purchase? As in, if in a years time I buy something do I have 18…
Paying on time but credit card says it didnt arrive on time?
What is the legal position when you pay your monthly credit card by debit card on time but due to the machinations of the banking or postal systems (eg bank holidays, weekends) the bank still charges interest and late payment charges. The money left your account immediately? If you buy goods with a debit card, you dont…
Different bank accounts & credit cards
Hi all, I've just used the balance transfer calculator & eligibility checker to be told Lloyds wouldn't accept my application. My partner & I have good credit, never been in debt so I'm assuming it's because of who we bank with. So, we have joint accounts with Nationwide, I have a seperate account with Halifax. We want to…
Looking to re-arrange credit, but moving into new house soon.
wrong post, I have moved it to credit rating section.
is it possible to balance transfer to another card if defaulted recently
I recently have missed a couple of payments on crddit cards which are now paid up but I wanted to change to 0% with a balance transfer is it possible or am I thoroughly black listed ?
Calculations help
OK, so I'm not sure on this, can someone check my figures please? I've got a balance of £500 (Approx) on a card which I took out for new spending last year. This £500 is sitting in my ISA, earning 3% tax free. The interest free period ends in January. My other card (Barclaycard) keeps offering to me an 18-months 0% deal,…
capital one classics extra: load-free oversea spending?
Load-free overseas spending. When you spend abroad on this card, there's no load added to the transaction (most cards charge around 3%). However, there's still a charge for withdrawing cash abroad, plus interest of 34.9% APR until the balance is paid off in full. --- so what does this actually mean? I used this card and…
Too many credit cards?
I have managed to pay off 14K of debts in the past 4 years :j using a bank loan and stoozing. However I am now left with 5 credit cards- all zero balance, but they keep writing to me putting up my credit limit. I only use one of them now and always pay it off in full every month but I am a little concerned that each of my…
Card Issuers
Can sombody answer this for me please? I currently have a 0% interest card, issued by Tesco through Mastercard. I am thinking about another card application - if the new credit card provider was also Mastercard would that affect the credit limit I was offered, or doesn't it work that way?
mogeage problems
dear martin lewis please could you possible help us with our morgage that we have total 170000 we have an interest only repayments of 554.45 per month but i forsee us having difficulty in making future payments on the morgage we look after our seriously disabled nephew and we dont receive any financial help at all but i…
How much are you able to Stooze in this financial climate?
I am finding it difficult to find a home for my £11k stooze in 0%. Can't seem to get any credit card currently even though I meet all payments etc without any problem. Tried applying for Fluid card and got rejected which the adviser said that it might be because of a high debt amount as it is. What's your experience?
Credit Card Chargeback??
Hi, we put a deposit down on a new motorhome at a show in Shrewsbury in July, we soon realised that the price quoted was way over the new price of the motorhome. We also found that it had been with the dealer since January, and that it had done nearly 900 miles. We cancelled the order, by email, on the 5th day. We…
Newbie questions
I'm planning to get a new kitchen this year as my old one's bits if built in kit are dying at an alarming rate. I've got £15k saved up but it'll run us down to only £5k cash in hand which with two kids, two cars and one earner feels quite tight. I'd like to get a 0% card and put as much of the balance on that as possible…
Amex cash
I have an Amex platinum cashback credit card and recently told them that I wanted to close the account (after I had collected the cashback). I referred my wife and she took over the next year's card adding me as a second cardholder so that we kept the good rate of cashback. Amex told me that if I kept my account open, they…
Credit card interest after death
Hi, My husband died in March 2012 leaving debt on two of his credit cards, and his bank account. In order to pay these debts his house has been put on the market, but has not been sold as yet. Meanwhile his credit cards are are continuing to be charged interest each month and the debts are getting larger. Is this right,…
Loan balance Transfer
Is there any way that I can transfer my sons CC Balance to my Credit Card if I get a 0% interest card? He has about 3K and I have not got a credit card but he is paying interest but doesn't think he would qualify for a 0% card as he is a musician without a steady income. He is paying £100 or so each month but majority of…
Santander credit card 'balance transfer' - not so simple
Hi - FYI really. I just took out the Santander Credit Card as I have a balance to transfer (I put an airline ticket on my existing card). It is unusual for me to have one, so thought I'd make use of the 0% offer. Most of my banking accounts are with Santander so they know my financial situation , however, when the card…
PPI Claim & sick pay
I recently made a PPI claim to a credit card company. The account was opened in 1998. The company has contacted me by phone to ask me: Was I entitled to sick pay at the time, the length of time I was entitled to sick pay and how much. On the original PPI claim form I said I can't remember. They said if this is the case…
My Slow Stooze Plan
Hi Stoozers, I just wanted to bounce my slow stooze plan off you as I am new to stoozing. I have been accepted for a Barclaycard Platinum 0% on Purchases for 14 months card via the Amazon offer (£20 Amazon Voucher + £20 credit to account after £1000 spend). Once the card arrives I am going to open a First Direct 8% Regular…

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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.

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Stoozing: free cash from credit cards

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