Unaceptable card for balance transfer?

Estie

Hi. I've just got a new barclaycard to transfer balances from my store cards. I phoned up this morning to transfer the balances, and although the first one was fine, when it came to the second I was told I had given an invalid card number. After checking and double checking the number I was told
"perhaps it's one of the cards we can't transfer from. Some store cards are unacceptable."
I have more than enough available credit on the barclaycard to make the transfer, how can the card be unacceptable? Does that mean I'm stuck paying the ridculous APR on the storecard until it's completely paid off? Or is it just barclaycard I can't transfer it to?
Any advice much appreciated.
Thanks

Moggles_2

You cannot transfer balances from some store cards to credit cards, at least not directly.

What you can do is apply for a 0% BT card and transfer an overdraft to the card, in other words shift cash from the credit card to your bank account. A handling fee applies, but there are no other charges during the introductory 0% period. You then have funds in your current account with which to pay the store.

Caution: you cannot use Barclaycard to do this. You need:

a card issued by MBNA (e.g. Alliance & Leicester, MBNA itself, Sony, Virgin), Egg card or the Post Office card.

Which deal is best depends, to some extent, on which cards - besides B'card - you have at the mo or have held recently

CannyJock

You'd need to get a card that allows a balance transfer direct to your current account. Then you use that money to clear the store card.

Virgin Money card is the front runner for this. Full list of these on the stoozing site.

EDIT: cross-posted with Moggles - we can't both be wrong

speedbird1973

Or ask Barclaycard to send you a cheque, you can then post that to the storecard

Estie

Thanks. Is there anyway of knowing which of these cards would be most likely to accept me? Prior to the barclaycard all my applications for credit cards ( apart from the 2 store cards) have been refused. I know my credit history's not brilliant, I've made the odd late payment , but I wouldn't say it was that bad.

Moggles_2

speedbird1973 wrote: »

Or ask Barclaycard to send you a cheque, you can then post that to the storecard

Unfortunately, cheques can't be ordered and you never know when they'll turn up in the post.

cifpower

Moggles wrote: »

Unfortunately, cheques can't be ordered and you never know when they'll turn up in the post.

Would they be able to send out a cheque made payable to the store card in question and debit the Barclaycard to that amount?

Moggles_2

Estie wrote: »

Is there any way of knowing which of these cards would be most likely to accept me? Prior to the Barclaycard, all my applications for credit cards (apart from the 2 store cards) have been refused. I know my credit history's not brilliant, I've made the odd late payment, but I wouldn't say it was that bad.

Have you looked at your credit reports lately to see what's actually on there? Some things can be put right. For help, see page 1 of the *How to obtain credit reports* sticky.

To help you further, we would need to know which credit cards you've applied for unsuccessfully.

Moggles_2

cifpower wrote: »

Would they be able to send out a cheque made payable to the store card in question and debit the Barclaycard to that amount?

I've not put this to the test, but there's no harm in asking certainly.