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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%.

Stoozing newbie- help
Hi Looking at starting stoozing but I am not sure if the sums add up at the moment. Looks like I would be eligible for 0% credit cards for approx £3-5k limit for 18-24 months. Plugged those figures into the stoozing calculator and looks the profit would be similar to earning cash back with say a Chase debit card over a…
Stoozing card that also has no transaction charges for abroad
Are there any cards with 0% deals that also has free transactions abroad and/or free cash withdrawals abroad?
Stoozing with a Money Transfer card - figures sanity check
Have stoozed before but a long time ago. With interest rates on the rise, it looks like stoozing with a money transfer card might be profitable? Specifically looking at the MBNA 14-month 0% card - soft search suggests I'd get a £14k limit, so a £490 fee (3.49%). Rough figures over 12 months. Minimum monthly payment over…
Curve now charging a fee for supermarket cashback on underlying credit card
Curve have apparently just taken a further step towards utter uselessness for me. Just been to Morrisons and got my usual £50 cashback at the till, only to find Curve have added £2 onto the amount charged to the underlying credit card. They seem to now be treating cashback obtained at a supermarket till the same as ATM…
NatWest Group credit cards - what's the opening date?
Hi, I recently got a NatWest Credit Card with a 0% deal on - Balance Transfer (for 14months if done within 3 months from opening) - 0% purchases for 3 months from opening deal. I use the card for stoozing, so was thinking I can use the 0% purchases for the first 3 months to offset the minimum payment to maximise benefit. I…
Is stoozing worth it in this scenario…?
Hi everyone, I wonder if people can advise me if stoozing is worth it in the following scenario… I’ve recently opened a new 0% purchase credit card with M & S that I’m yet to use. I have an instant access savings account paying 5.2%. At present I do most of my day to day spending on my Chase debit card (and therefore get…
Money transfer offer: what max amount should I use?
I have a 20 month 0% interest money transfer offer for up to £5,400. My card limit is £6,000. Should I go for the full £5,400 or for less? I am not worried about the impact on my credit reference files as they are in good shape, and I won't need to apply for any loan / mortgage etc. The fee is 3%, and I can get a 6%18…
% Balance carry over from one stoozing card to the next
Hi all, I took out a 20 month 0% purchase credit card with a limit of around £9k that I expect to max out before the term ends. Ideally, I would then (if deals still exist and acceptance allows) transfer this to the longest 0% card with no fees, to continue stoozing. While my credit history has no faults, is good, and I do…
Time to Stooze again
Now rates are back up thought I would have another go at Stoozing Just applied for the following 2 cards Natwest 0% for 14 months with no fee, Credit Limit of £10k, balance xfer limit of £9,500 Tesco 0% for 15 months with 0.99% fee, Credit limit of £9,400, balance xfer limit of £8,930 I shall use my Halifax Clarity card…
Mbna 24 months @ 6.9% no fee
Ive been offered the above deal as a money transfer deal. Is there anything to stop me taking it then immediately transferring the debt to a 0% card with no BT fee, to avoid the 6.9%?
Can you use the 0% credit card to pay off your mortgage or move money to your account?
The stoozing guide just says to use the card for your daily spending. The thing is, I don't spend and the biggest expense by far is my mortgage. Can't I use the 0% credit card to pay off my monthly mortgage payments somehow? I know withdrawing cash is not allowed (will incur interest) but that's not the same is it?
Cash Transfer fees
If I am offered to take out 10K in cash for 12 months, for a 5% fee, does the fee represent the interest rate, or is the effective interest rate higher. e.g. if the 500 is added to the 10K, my balance is 10.5K so that is 5% fee. However if what they mean is that I will only get 9.5K and £500 will be taken for the fee, then…
HSBC CC: reloading BT
Hello all, I'm coming up to the end of my promotional period with my HSBC credit card for my 0% interest no-fee balance transfer. Was wondering if anyone had any experience "reloading" another BT once the full balance is paid off? By which I mean - does HSBC tend to re-offer this 0% no-fee promo on the same card once the…
Bank transfer before moving cards
Hey Everyone, I am considering doing a bank transfer (approx £1k) ahead of moving to a new 0% deal in order to make a cash purchase. My plan is that although I will be charged a transfer fee for this, I will avoid the huge interest rates this would attract as I would be closing the account shortly after (and moving the…
Offers for BT or MT
My existing Barclaycard is offering me a 0% BT for 20 months (3.3% fee) or 0% MT 19 months (3% fee). I am tempted to take the MT and add it to my stooze. From looking at the ts and cs I believe I could do this now, then let the next DD go through for the previous statement total, cancel the DD, make a manual payment to…
Stoozing end of the line - Some Advice Please
Hi I have been stoozing for around 10 years, my current pot is £38K spread over 8 cards. I'm now finding new offers on my existing cards drying up. In the past I would empty a balance transfer card when it came to the end of its offer period, leave if for a few months and then a new attractive offer would pop up. I’ve an…
BT offers - 0%?
I took out a Lloyd's card in June with a 15k limit. Interest free till Nov 24. Currently it's sitting at 10k balance so I have a few more months before I need to switch/obtain another card. I've not stoozed before but at these rates it makes sense, as well I can rapidly pile up the stooze account as a some of that 10k is…
Thoughts wanted on BT offers
Hi I have £2000 I'd like to BT. I have the money to pay it off if needed. One credit card offering 0% interest 3.5% fee for 18 months so on £2,000 would be £70 fee. Could put this money in an 18 month bond at 6.05% AER so I calculate at the end of 18 months It would be £2185.16. So taking the fee and the capital off of…
Using Paypal to turbocharge Stoozing
Hi all Today I opened a Cahoot account and sent the majority of my money there. I then realised that I had a payment I needed to make, and it will take 7 days before my internet banking is up and running with Cahoot. Rather than call them and try and return some of the money over the phone, I instead decided to send some…
Question re timing
Well I decided to have a go at this, I think I'm doing everything right but would appreciate any comments from seasoned stoozers. I have been accepted for an RBS 0% balance transfer (for 16 months) zero fee card, and requested to transfer almost £6k balance from another card. I was previously intending to pay that balance…

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Stoozing: free cash from credit cards

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