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abusive account handling
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Funnily enough, I have a largish 0% overdraft from A&L, which I stay right up to my limit on. However, I also have the savings to hand to clear it at a days notice if I ever needed to. Meanwhile, I am earning interest on the money from my overdraft.
Stoozing, like you're doing, is an exception to the rule. However, stoozers aren't who A&L are targeting - they're targeting people who want to remain heavily and debt but pay no interest. That much is obvious. Your stoozing activity is, at best, a side effect.0
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