How smart to this are companies getting?

Petmidget

I have been stoozing for a year, mainly slow but with some faster methods when opportunity arises.

I have stoozed about £32k in 12 months, across 5 cards.

Problem is i have just been knocked back on 2 applications. With no changes to my circumstances. payment history perfect, salary sufficiently high to justify any reasonable limit etc.

Checked credit files, all perfect. However i paid for a score (not a perfect method i know) and Credit Expert rank me as poor - 656. A year ago I was 999. The only negative point is raised in its summary was my total outstanding debt.

So are companies getting wise to multiple promo balances?

jamesd

The problem would be total outstanding debt level accumulated over a year, not so much stoozing. with a longer history and clear evidence over time of clearing the cards you may well be able to do more.