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    • spludge
    • By spludge 4th Oct 17, 12:15 AM
    • 1Posts
    • 0Thanks
    Want to do a balance transfer but don't live in UK at the moment
    • #1
    • 4th Oct 17, 12:15 AM
    Want to do a balance transfer but don't live in UK at the moment 4th Oct 17 at 12:15 AM
    Hi I have 2 MBNA credit cards which have debts on of 14K and 12K.
    The 0% periods are coming to an end and I want to do another 0% balance transfer if possible.
    The problem I have is that I am living abroad at the moment and don't have a fixed UK address. Would I be able to apply for one using a friend's address or is this against the law? Obviously I don't want to be doing anything unlawful. The other thing is I don't really want my friend seeing any of the details of my debt so do I need him to open up any post for the transfer?
Page 1
    • zx81
    • By zx81 4th Oct 17, 5:35 AM
    • 15,501 Posts
    • 16,443 Thanks
    • #2
    • 4th Oct 17, 5:35 AM
    • #2
    • 4th Oct 17, 5:35 AM
    It would be fraudulent.
    • chattychappy
    • By chattychappy 4th Oct 17, 8:27 AM
    • 6,615 Posts
    • 3,556 Thanks
    • #3
    • 4th Oct 17, 8:27 AM
    • #3
    • 4th Oct 17, 8:27 AM
    In the past I've seen it in the T+Cs that you must be living in the UK to make an application - therefore it would be fraudulent to apply. However I just randomly looked at Barclaycard's T+Cs and there is nothing to that effect. It just says you if you move overseas you must tell them and they might close your account. Other cards might be different.

    Despite that, I agree with zx81. Depending on how they ask for your address, it would probably be a misrepresentation to give an address where you don't live. A separate issue is that in the absence of any credit history for you at that address, it's unlikely you would get a decent card anyway.
    • bengalknights
    • By bengalknights 4th Oct 17, 8:43 AM
    • 4,252 Posts
    • 1,551 Thanks
    • #4
    • 4th Oct 17, 8:43 AM
    • #4
    • 4th Oct 17, 8:43 AM
    It would be fraudulent to do the application
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