0% credit card arbitrage: the strategy and current position.
2 min read
Stoozing Summary — Credit Card Arbitrage Strategy
What Is Stoozing?
Borrowing money on 0% interest credit cards, putting it in a savings account earning interest, and keeping the profit. The key is paying off the full balance before the 0% promotional rate ends.
Current Stoozing Cards
Card
Balance
0% End Date
Days Left
Status
Santander
£6,086.87
30th August 2027
308
Distant — preserve
Lloyds
£5,716.45
24th January 2028
455
Distant — preserve
Natwest
£7,816.17
11th February 2028
473
⚠️ Over £7.4k trigger — start new-card hunt
Virgin Money
£1,620.31
2nd June 2028
585
New card, 0% window open
TOTAL STOOZING
£21,239.80
Non-Stoozing Card
Card
Balance
Status
Aqua
£224.34 owed
Paid off monthly — this is normal spending, not stoozing
Barclaycard
£0.00
Cleared
Lloyds (other account)
£0.00
Cleared
Virgin Money (old card)
£0.00
Closed July 2026
Cash Position
Item
Amount
Tembo (main pot, incl. stoozed funds)
£20,240.00
Monmouthshire BS (overflow)
£3,000.00
RBS regular saver
£5,000.00
Snoop cash pot
£600.00
Total savings pots
£28,840.00
Total stoozing debt
-£21,239.80
Savings net position
£7,600.20
Current accounts (excl. joint)
£559.84 (last checked 18 Oct — refresh needed)
Net cash (all pots + current, less cards)
£8,160.04
Timeline Breakdown
August 2027 Deadline (Distant)
Cards
Balance
Action
Santander
£6,086.87
Pay in full before 0% ends — ~10 months away
January/February 2028 Deadline (Distant)
Cards
Balance
Action
Lloyds + Natwest
£13,532.62
Pay in full before 0% ends
15 months away — soft backstop only
June 2028 Deadline (Distant)
Cards
Balance
Action
Virgin Money
£1,620.31
20-month 0% balance-transfer window opened ~2 Oct 2026; transfers made within 60 days of opening qualify
The Arbitrage
How it works:
Savings earn ~5% interest
Credit cards cost 0% during promotional period
Difference = free profit
Key rule: NEVER miss a 0% deadline. Pay in full before the promotional rate ends.
Reminders Set
Reminder
Date
Purpose
All cleared — no active deadlines until August 2027
Risk Notes
2027/2028 cards (£21,240): Distant, acts as last-resort emergency bridge — but dipping into them breaks the stoozing chain and loses the arbitrage
£8,160 net cash (all cash pots incl. current accounts, minus stoozing cards and other balances) — the £10k buffer target was retired 15 Sep 2026; the monthly surplus flows to the GIA
Aqua card: Not part of stoozing — normal spending, now owing £224.34, cleared monthly
⚠️ NatWest limit trigger (~£7,400) HAS FIRED: the NatWest stoozing balance is £7,816.17. Apply for new 0% cards to keep the chain going. Weekly housekeeping adds this as a task whenever the balance is over the threshold.
Virgin Money (new, ending 3456): opened ~2 Oct 2026 with £10,000 limit; 0% on balance transfers 20 months, money transfers 12 months, purchases 20 months. Only transfers made within 60 days of opening get the headline rate — that window closes ~1 Dec 2026.