credit card help

Daisy_Plummer

I have a high interest credit card with the halifax and my balance is over £6000, Im a student so I have no proof of income to apply for another credit card with lower or no interest, it is my ex boyfriend who is paying it off as he is the one who ran up the balance but can only afford £200 a month so the balance isnt really going down at all. please can u help?

Amy83

Could your ex boyfriend not apply for a credit card and you could transfer the balance to his card? (or if he's got a credit card already?) Then it'd be ex-boyfriend and ex-debt

Daisy_Plummer

he cant apply for a credit card because he's in so much debt his credit is to bad.

epsilondraconis

Would it be worthwhile getting him to sign an independently witnessed document that confirms the debt is his and that he will do his duty and pay it back (within a reasonable time period).

Good luck.

surrey_jim

as the debt is on a card in your name you are responsible. also i beleive balance transfers can only be done on accounts in your name (not 100% sure tho)

in terms of a lower apr card, what is your current interest rate. Have you tried other student cards whose APR may be less, Barclaycard do a student deal and may not require proof of earnings as you are a student

NickX

surrey_jim wrote: »

also i beleive balance transfers can only be done on accounts in your name (not 100% sure tho)

No you can balance transfer from anyone elses card, your partner's, your friends or even just Dave from down the pub (he may even buy you a beer :beer: )