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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: Free Cash from Credit Cards sticky
💳 Here are some threads you might find useful: * Stoozing: Make Free Cash from Credit Cards - discussion * Stoozing Calculator - discussion * Curve Card technique - withdraw cash on any credit card with no fee 💳 And here's some relevant content from MoneySavingExpert.com: * Stoozing: Make free cash * 0% spending cards * 0%…
Accelerating my stoozing :)
I've been slow stoozing with 0% purchase cards for a few years now but am thinking of stepping it up a notch.I've got a 0% fee, 5.9% interest money transfer deal on Card A. I've also got a 2.4% fee, 0% interest 18-month balance transfer offer on Card B.Can anyone see me coming unstuck if I take a £9k money transfer from…
Very happy with Tesco CC
DD got into debt and was paying huge interest on her cards. Her rating is poor so I looked at the best deal I could get. I already have a few cards offering decent 0% plus a fee deals but none would match the deal offered by Tesco. So I applied and just over a week later the money was in her account. Very straightforward,…
Never stoozed before...
...but the Sainsbury credit card money transfer offer seems too good to turn down. 0% interest for 12 months with 0% transfer fee. Got £11k limit sitting there unused, so can make £480 on this in a savings account. Planning on transferring £11k into my current account and immediately forwarding it to my online savings…
Stoozing first time queries
Hi, got a 0% purchases offer. Never ‘stoozed’ before, but considering doing so. My key concern is how this impacts my credit report. How long can you stooze for before it affects it? Is paying the minimum payment only really ok? Thanks
Balance transfer plan
My 0% purchases CC promotion runs out in a few weeks. I have opened a new 0% no fee 12 month BT CC and will transfer the balance of my old 0% purchases CC to this new CC. However the credit limit of the new card is £300 less than the balance I have applied to transfer. I presume the best policy is to make a payment…
quick access - Stoozing table
For those who remember TMF forums and its offshoot stoozing.com forum 20 years+ ago, it had a very handy table that gives a single consolidated view of both 0% balance transfer & purchases cards currently on offer. I hope the forum admins would consider something similar if that is beneficial here as well.
Mule cards
Is anyone getting good money transfer offers (0 fee and ideally low interest too) on their cards? My go-to cards (MBNA and Halifax mastercard) have had their limits slashed and show no offers. Halifax clarity shows 0 fee 23% apr - not a problem if the debt is BT away fast. To stooze all the BT credit I seem to have…
Thoughts on credit levels and credit utilisation
Hey all Just wondering if there is a group consensus on 1. If the CC companies care about utilisation levels ? When offering new credit. 2. If so, is it worth opening up some new cards (not caring about special offers or spending on them) in order to lower the utilisation levels?. 3. Would you then run into the problem of…
Stoozing next steps/ ending?
Hi all, Apologies if this has already been asked- I am currently stoozing only using one card- a Barclaycard Platinum fee free 0% till Jan 2026- paying the minimum monthly and adding the funds spent on it daily to an interest gaining account. I have already increased the limit on it once and will likely need to again…
Stoozing while on Universal Credit can cost you money
This is a warning to those not in the know. I have been on UC for 6 years. 3 years ago, I got a 0% interest card with a £5000 limit, so decided to Stooze. I spent up to the limit, saved the unspent money, and at the end of 2 years had earned nearly £500 in interest. Result! Or so I thought... What I didn't take into…
Compare the Market Credit Card finder - Bang on credit limits shown in soft search results.
Just wanted to post this for the benefit of other stoozers out there. Normally I tend to use MSE, Uswitch, Money Supermarket etc. when I come to search for new BT cards, however this time one of the companies that came up was Compare The Market, I did a search using all 4 companies, and Compare the Market came back with…
Lloyds 0% overdraft
I recently switched a dummy Chase account to Lloyds to try and capitalise on their switch offer. I didn't have any success there as I'm not eligible for the incentive (which I knew going in but thought I'd try anyway) but they have sent me a letter to say that my overdraft is now fee-free (ie. 0%) for the next 3 months.…
Max out interest free cards?
Hi, I'm not being 100% approved for any decent interest free credit cards any more. I've already got 5 so many that's the limit? Or is it more about how much each card is used; they range from 88-94%. Is it worth keeping them below a certain percentage? Thanks!
New deals
Some potentially useful anecdotal info for fellow stoozers. It's a bit odd, seems like something flipped on my credit report/record (or the market!). I have a very large stoozing pot already, but I periodically run eligibility for new deals when old ones are heading to close, for example I have 8k on Nationwide ending next…
Sanity check. Do the T's & C's of this Sainsburys BT / MT offer make sense?
Hi all. Yesterday I received a letter offering me a fee free 12 month 0% BT/MT from my Sainsburys credit card. Being an long time and avid stoozer, seeing this offer which allowed me to transfer 95% of my £18K limit, I naturally thought, "Great, £17K free cash out of the blue!". :) However, the difference here is that most…
Would a CC mind a money transfer reason given as "Stoozing"?
I just received a 12 month 0% 0 fee money transfer offer. I have a 12K credit limit, and the card is unused. I would like to be greedy and go all in and take the entire 12K and stick it into Cash ISA and savings (and then Cash ISA when the new tax year begins). But I somewhat doubt they'd agree to give me the full balance…
Stoozing - next steps
Have been stoozing for a while now, but would value any opinions or suggestions on my next steps. Ideally I’d like another 0% purchase card sometime between now and April/June 24, and/or a 0% balance transfer card around June/July 24, but need to improve credit rating first. In terms of credit rating I had 4 x credit card…
Stoozing in 2025...
OK so I know no one has a crystal ball and can't say whether its worth stoozing in 2025 or not with any kind of certainty BUT, who is intending to do so and what is your rationale behind it? I have just taken on a 5 year fixed mortgage (i'm a stickler for financial certainty where possible and a little risk averse in that…
Any no fee balance transfer credit card out there, excluding Barclaycard 0% and Natwest 0%?
Hi, I have Barclaycard 0% balance transfer credit card until October 31st 2024 - £4000 limit and Natwest 0% balance transfer credit card until March 15th 2025 - £3500 limit Any recommendation? Many thanks.
Paying off an old BT, with a BT - allocation of payment HSBC visa?
I have a HSBC card with a 0% BT of £1500 expiring Jan 2025, and 0% purchases of £3500 expiring May 2025. I want to BT the amount expiring in Jan 2025 to another card and have an offer to do this. My question is: will the BT amount automatically apply to the amount expiring in January? My other card (Barclaycard visa)…

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Stoozing: free cash from credit cards

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