Stoozing is the act of transferring credit from a 0%-on-purchases card into an interest-paying account. This could potentially be achieved by transferring the balance directly, although not all credit cards allow this and the transfer fee tends to drown out most of the interest you’d earn. You could get around this by making all your everyday purchases on a 0% credit card and putting the money you would have spent on these items into a savings account. The key to successfully stoozing is to transfer the money back onto your credit card before your 0% period runs out.