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Can I transfer a balance from someone else's card to mine?
Credit Cards
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1
LONGEST 0%
BALANCE TRANSFER
Barclaycard,
31mths 0%,
2.99% fee,
18.9% rep APR
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2
LONG 0% LOW FEE
BALANCE TRANSFER
Nationwide,
26mths 0%,
0.75% fee,
17.9% rep APR
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3
DECENT LONG TERM
BALANCE TRANSFER
Tesco,
28mths 0%,
2.9% fee,
20.6-26.6% rep APR
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4
LONG TERM LOW RATE
BALANCE TRANSFER
MBNA,
6.9% for life,
No fee,
18.9% rep APR
-
1
TOP CASHBACK CARD
Amex,
3mths 5%, up to 1.25% after
No annual fee,
19.9% rep APR
-
2
BEST FOR POOR CREDIT
Capital One,
0.5% + £10,
No annual fee,
34.9% rep APR
-
3
BEST FOR DRIVERS
Santander,
3% fuel, 2% dept stores,
1% s'markets. £24/yr fee
22.8% rep APR
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4
BEST FOR REWARDS
M&S,
0.5% vouchers,
No annual fee,
16.9% rep APR
MSE Best Buys: For full info, see Best Balance Transfers & Official APR Examples.
Always repay or switch before the 0% ends or you'll pay the APR
MSE Best Buys: For full info, see Cashback Credit Cards & Official APR Examples.
Always repay IN FULL every month to avoid interest wiping out cashback gains
MSE Best Buys: For full info, see Best 0% credit cards & Official APR Examples.
Ensure all borrowing is affordable, and clear the debt before the 0% ends, or you'll pay the APR
20-07-2005, 3:30 PM
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MoneySaving Newbie
Join Date: Jun 2004
Posts: 9
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Can I transfer a balance from someone else's card to mine?
Hi folks,
My wife has a couple of grand on one of her credit cards that is shortly to lose it's 0% interest rate. I was wondering if I could apply for a new card with another company in my name (I have a better credit rating) that has a good interest free balance transfer deal and transfer her balance onto it?
My wife doesn't use my surname so it would seem to the credit card company as if the balance was coming from someone not related to me - does this matter? Is it even possible to transfer balances from other people?
I'd be grateful for some advice.
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20-07-2005, 3:34 PM
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MoneySaving Stalwart 
Join Date: Feb 2005
Posts: 304
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do you want to try with my card? 
All I ask is the chance to prove that money can't make me happy.
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20-07-2005, 3:37 PM
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MoneySaving Stalwart
Join Date: Apr 2004
Posts: 244
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I've transferred balances from my cards to my gf's card a few times - it's worked fine.
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20-07-2005, 3:42 PM
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Serious MoneySaving Fan 
Join Date: Jun 2004
Posts: 939
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I have transferred husbands and vise versa. They only ask for a crad number and don't seemed bothered where it is coming from as you are claiming not passing on the debt.
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20-07-2005, 4:09 PM
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MoneySaving Convert 
Join Date: May 2004
Posts: 156
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Yes. Has done between mine and my wife's cards.
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20-07-2005, 9:19 PM
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MoneySaving Newbie
Join Date: Jun 2004
Posts: 9
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Excellent - thanks everybody!
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