Stoozing UK
Earn risk-free profits with the best UK stoozing strategies! Maximise 0% interest credit cards to generate free money and boost your savings effortlessly.
Last Updated: 16th April 2025
Written by My Side Gig team
What Is Stoozing?
Stoozing is a risk-free way to make money by using 0% interest credit cards to earn on savings or cashback. By borrowing money at 0% interest and keeping it in a high-yield savings account, you can generate free profits with minimal effort.
How Does Stoozing Work?
The process is simple:
✅ Get a 0% interest credit card – Apply for a credit card with a long 0% purchase or balance transfer period.
✅ Use the credit card for everyday spending – Pay for your usual expenses with the card while keeping your cash untouched.
✅ Put your cash in a high-interest savings account – Earn interest on the money you would have spent.
✅ Pay off the credit card before interest kicks in – Repay the balance before the 0% period ends to avoid fees.
✅ Profit from the interest or cashback earned – The money you've made is pure profit!
Who Can Benefit from Stoozing?
Stoozing is great for:
✅ Anyone with good credit who can qualify for 0% interest cards
✅ People who manage finances responsibly and always pay off debts on time
✅ Those looking for a hands-off way to earn extra cash
How Much Can I Earn from Stoozing?
The amount depends on the interest rates and how much you stooze. Many people earn hundreds or even thousands of pounds over a year by leveraging multiple 0% cards.
FAQ’s
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No, the key to stoozing is using a 0% interest credit card, meaning you can carry a balance without paying interest. However, you must make at least the minimum payment each month and clear the full balance before the 0% period ends to avoid charges.
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Most 0% purchase credit cards don't allow direct withdrawals without fees. Instead, stoozers use their card for everyday spending and deposit the money they would have spent into a high-interest savings account. Some balance transfer credit cards let you move money to a current account for a small fee.
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You must repay the full balance before the promotional period ends to avoid high-interest charges. If you still have a balance, consider transferring it to another 0% card to extend your stoozing period.
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Applying for new credit cards may cause a temporary dip in your credit score due to hard credit checks. However, if you manage repayments well and keep credit utilisation low, it can improve your score over time.
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To maximise profits, use high-interest savings accounts, fixed-rate bonds, or premium bonds. Always compare interest rates and check for withdrawal restrictions before choosing an account.
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Yes! Some cashback credit cards offer 0% interest on purchases and cashback on spending, allowing you to double-dip on profits. Just ensure you can pay off the balance before interest applies.
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Stoozing is low-risk if managed correctly, but potential pitfalls include:
Forgetting to repay the balance before the 0% period ends.
Failing to make minimum payments, which could void the 0% offer.
Over-borrowing and struggling to repay the balance.
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Earnings depend on the 0% period length, credit limit, and savings interest rates. Some stoozers make hundreds to thousands of pounds per year by maximising multiple cards.
Here’s how to maximise your money with 0% overdraft stoozing.
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MoneySavingExpert’s 0% credit card guide is one of the best resources for comparing 0% purchase and balance transfer cards. It provides up-to-date recommendations and detailed analysis of fees, terms, and eligibility.
