Should i be stoozing?

A question about : Should i be stoozing?

Hi,

Sorry because this seems silly.

I have a CC (Natwest) - it was 0% with cashback, its now not 0% but i'm paying off in full. What I have been doing is using my card for every day spending - gaining the cashback from quidco and Natwest - and paying card off every month.

I have 4 bank accounts:

TSC Classic Plus (Savings - have around Ј1500 in here. There was more but i've just got a new kitchen!)

TSB Classic Plus (Annual bills - for example, money that I would need for my MOT is in here)

Halifax Reward (Everything goes in and out of here. Wages come in, annual bills, savings etc are all set up n Standing order to go out of here, along with monthly bills like my council tax)

Halifax reward - Shopping account. Purely just for groceries

I'm quite tight with money, theres not been a month, for years, where I've been skint so I don't see me blowing the money from a CC. I also don't have any debts anywhere other than the CC - which as I mentioned, gets paid in full - I leave the money in my current account with the Halifax then just transfer it at the end of the month. The only problem I may have is looking at the negative balance from the CC and panicking im in debt

Given that - would it be beneficial for me to stooge - bare in mind, my current credit limit with Natwest is a measley Ј1300 (been at this level for the past 3 years) and the best saving I could hope to get is around 3%

Thanks!

EDIT: The only thing that may hinder me is that I moved in December so my credit report may be different than what I imagine. I already used the Experian free trial ages ago and begrudge paying for it. The free noddle one gives a rating of 2/5 (It was 3/5 before I moved) the only balance on there is my NatWest CC

EDIT2 - I just also realised I never put myself on the electoral roll when I moved! ARGH!! Just done this now.

Best answers:

• Do you have/can you get any cards with 0% on purchases or balance transfer?
  Academic if you haven't/can't but Ј1,300 at 3% (before tax?) would earn about Ј40 in interest each year. Up to you whether you consider that worth it or not.
  With interest rates so low on savings (and income tax on the interest) I see little benefit for the hassle of stoozing at the moment when you have to pay around 2-4% balance transfer fee.
• Note that the electoral role will take a while to update. In that case, you're probably better off going to a lender who you currently have accounts with, or a high street lender to which you can take proof of address.
  Moving house won't affect your credit history (the important part of your file, showing if you repay your credit bills or not), but lenders won't like it if you have credit accounts showing at different addresses, so you could fail the ID verification part. Hence my suggestions above.