Stoozing: free cash from credit cards

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.

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…

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…

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…

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…

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…

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…

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…

Have had this with other cards before but on first login the 0% purchases isn't showing. Anyone had this with their new Barclaycard?

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…

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…

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…

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…

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%…

So, I've only ever had credit cards with direct debits and paid off in full every month. I'm now looking at opening a 0% credit card which I won't want to pay off in full until I have to (Cash going into a savings account). The application is asking if I want to set up a direct debit. I'm thinking not in this case with…

I've been offered an MBNA money transfer card at 2.99% fee with 0% interest for 18 months. £10k limit Mortgages fixed until 2025 so no credit score concerns. I notice the top 1 year fixed rate is currently 4.6% but is this likely to go up a bit more? Is this worth me doing?

Hello So I want to max out my ISA with a 0% credit card but not sure which cards will let me do it without charging me interest. Anyone got any experience of pulling this off? 

Hi. I was trying to move a CC debt to earn a few quid via TCB. Thought I’d been really clever until I discovered the credit limit that they’ve agreed to doesn’t cover the amount! 🤦‍♂️ So half of the debt will be transferred pretty much but my questions are: 1.I’m guessing I’ll be accepted what with good credit rating to…

Hi all, This might be morally highly questionable so apologies in advance if this should be against any rules. However, I have 3 credit cards, just applied for another 2 and e.g. Halifax and Lloys easily wave me through their soft checkers with 12k and 13k limits for another 2 (this would bump me easily over 50k combined…

Hello I’ve been signed up and happily using the charity worker spree card since spring of this year; transferring money from my bank account to the card and getting % back from each spend with qualifying partners. My last successful load of the card was 9th Sep and since then each attempt at transfer (load) has failed.…