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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%.

Please check my plan.
I currently have a Lloyds Bank Platinum credit card with 0% on purchases for another 12 months and a money transfer offer of 5.9% interest and £0 fee. I also have a balance transfer offer of 0% interest and £0 fee over 18 months so will transfer the balance, leaving Lloyds a £0 balance. Once my Lloyds credit card balance…
Best cashback card
Hi. I have a £4,000 bill to pay and wondered what the best cashback around is at the moment? I'm thinking the Nectar card as the company I have to pay does not take Amex.
Cash Back using First Direct Credit Card. Stopped?
Before I accepted the offer of a First Direct Gold Credit Card I googled "First Direct Cash Back on Credit Card Purchases". I found articles on this site and on Which saying that First Direct were offering this. However, I've since realised these articles were from 2017. I can't find anything about them stopping this…
Barclays 0% purchase cc working with Paypal? Cash advance fee?
Hi, Just checked my Barclays card and got a 0% purchase offer. Will I get charged a cash advance fee if I use the card to top up Paypal? Will Paypal charge me a fee for using the cc to top up my balance? Would be nice topping up Paypal, use f&f payment and put into savings :-) Anyone experience?
Stoozing and Credit Impact
Hi All I am currently stoozing with 2 cards and intend to take them towards their limits. Before any upcoming credit scenarios (Mortgage fix term comes to an end etc) I will pay these cards straight off. Now I understand this will only reflect 30-40 days later on credit report for utilisation, but does anyone know how long…
AMEX 0.5% cashback claim is not accurate
I have an Amex card which gives 0.5% of spend as Cashback. I have always found it impossible to agree with the monthly figure they award and recently decided to investigate. I now know that the Cashback is anywhere between 0.4% and 0.5% (I assume averaging 0.45%). This is because they round down twice. The round down to…
BA Prepaid Mastercard TOP-UP
Hi all, so it looks like the top-up function cannot be used by any other card than a debit card. Boo. Its good for additional AVIOS points where a CC cannot be used.
Spending Money for Discounts on Utilities
I was wondering if anyone has been stoozing and using their credit cards to pay regular bills and utilities? I'm considering paying a few of my bills and utilities in advance in order to get a discount on paying a lump sum. Has anyone successfully done this? This will also be helpful ahead of any increases coming up like…
Barclays don't like me
How strange - I just decided to check out the stoozing from an MSE mailshot and filled in the details.It came back with Barclaycard 0% chance of approval but Virgin Money and Capital One 100% pre-approved and several others at 95%.So, I went ahead with the Virgin one and the card is on its way with a £12k limit.But…
Optimising/balancing credit utilisation percentage and available credit risk
Full context below, but in short I have 6 payed off cards and there is only one I want to keep. I have no important credit applications planned for over a year, though I may try to get a new reward card in 3-4 months. Now seems a good time to do some pruning. Plan A: ditch all 5 at once - my credit utilisation goes up to…
New to Stoozing - can you check my plan
Hi Recently debt free and savings where I'm happy(ish) - was thinking of giving stoozing a go to squeeze a little more and wanted to run the plan by the experts, you guys... Secure a 0% spending CC (eg M&S 21months)Setup direct debit for minimum amountSetup easy access savings (eg Chase 2.7%)Spend on CC for everyday…
MBNA mule
Since the fixed interest rate world has livened up again, I was hoping to start a new round of stoozing. However, after several years of receiving a no fee cash advance offer from MBNA every month, I noticed this has just stopped. I now get the no fee BT offers, but not the cash advance offers. Just one with 5%, which is…
What's the shortest time that I can balance transfer again after doing it?
Bit of a grammatically bad question in the title but I have a debt of £3k and am looking to make a few quid through TCB. So looking to shift the debt on to a card which gets cashback from TCB when you take it out. However the debt was only transferred a few months back. Does this matter? If not surely people just…
Large positive balance on CC from balance transfer?
I signed up for the Halifax CC with the intention of using it for a money transfer, however I was told on activating the card the option to carry out a money transfer isn't until 3 to 6 months. In the past I've created a small additional positive balance when carrying out a balance transfer and most companies have been…
Barclaycard 0% Purchases not showing
Have had this with other cards before but on first login the 0% purchases isn't showing. Anyone had this with their new Barclaycard?
Fast Stoozing, is this ok?
So after clearing old debts i'm now in a position to start stoozing.Just wanted to check if this process is okBeen accepted for an RBS balance transfer card 0% fee 0% interest 22monthsI have on one of my other cards a money transfer offer, 0% fee, 5.9% life of balance so if i do the money transfer offer into my bank…
Should I move my savings from Offset Mortgage (AER 1.89) and invest elsewhere?
I wish I could say I am good at managing my finances but the truth is that I have been extremely lucky.In April I was able to get a 5 years fixed 1.89% EAR Offset Mortgage.I have really been lucky, it is crazy to think that people out there is actually going to have life changing consequences of these days' mess. I am…
Stooze, How to start?
What’s the best way to start a stooze pot? Looking for mid 5 digits-ish My journey so far: - Accepted for Halifax CC, small limit, hoping for a no fee Money Transfer offer - Waiting for NatWest 22month BT card - Waiting for a curve card metal card As far I can tell, my only option to accrue debt with minimal fee’s is via…
Mortgage stoozing
Has anyone tried to replace some or all of their mortgage with 0% credit card debt ? I have a repayment mortgage where overpayments are allowed free of charge. I am planning to pay off the mortgage with a few 0% credit cards and then transfering the balance when the 0% offer ends ad infinitum. Has anyone else tried this…
Holiday Conundrum
Hi I think this is classed as a stoozing question, apologies if not I have been saving for the last 4 years for a major holiday for my wife’s 50th. I have the cash now in an easy access account, ready to pay in Feb. I thought that I could squeeze more out of this situation by putting the cost of the holiday on a 2yr 0%…

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Stoozing: free cash from credit cards

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