Stoozing: Free Cash from Credit Cards

A question about : What would you do with debts?

Hi All, I hope this is in the correct place.

We currently have Ј9,000 on a 0% credit card until November this year and we are saving (which we will achieve) to clear this in full at this time. However, I have just be accepted for a Barclays Platinum CC with a Ј14,900 credit limit and the 35 month 0% BT rate.

So what I want to know is which is best?

Option 1) should I pay off the balance and forget about the 0% BT rate? Then start replenishing our savings

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)

A question about : Get cash from credit cards

Hi everyone
I'm reading some articles on here about the possibility to use credit cards to put money into a bank account for free(0 interest). I understand this technique is called stoozing (correct me if i'm wrong)

However I have a few questions:

Balance transfer is mentioned a lot, does balance transfer in this case refers to the transfer of money from credit cards into a bank account?

What I'm trying to achieve is the following:

A question about : denplan

I believe I was miss sold Denplan by my dentist that was at the time
for my children at the age of 4 and have paid it monthly till last month when I stopped the plan. The kids are now 8 and 11 and I took one of them yesterday to the dentist and there was no charge as its free for under 12s! so I have been paying a monthly fee all this time when its free?! I hjave emailed them and they have provided me with a list of all payments made to them . what should I do next please?

A question about : Iva

Hello, I'm currently in an iva worth 36.5 k I am now in a position to pay this off myself and contacting my creditors I only owe just over 23k can I just tell my iva practitioner and stop the monthly payments to them and pay off everyone myself?

Best answers:

• Can you stooze off an IVA?
  If not, you would be better asking this in the IVA/DRO board.

A question about : Paying Credit Cards From Outside The UK

Hi I was wondering if I could have some advice please. I am from the UK but moved to Ireland a number of years ago. I still have two UK credit cards which I have been paying by transferring money from my Irish bank account to my UK one. I really want to clear both these cards but the interest is so high on both. Also I am losing out transferring money from euro to sterling. I can't get a 0% uk credit card as I live outside the UK. Is there anything I could be doing as I really want to clear these debts.

A question about : Stoozing: Make Free Cash from Credit Cards article discussion

The calculator could do with a 'balance transfer fee' box as so many 0% deals have a transfer fee which reduces the amount you earn stoozing by quite a bit.

A question about : Halifax clarity card

Does anyone know if the Halifax Clarity Card has a Zero balance please? I have one of these and am about to run out of Zero % on a Santander card and I still owe Ј700. When I go on the Halifax site there are so many cards it is confusing. Preferably without a fee.

Best answers:

• No zero rate transfers or cash advances on the Clarity card. You have to pay the standard rate (12.9%, 17.9% or 21.9%).