Balance Transfer to card with no debt?

WallyMan

I've done the easy bit of SBT transfers from Virgin and EGG but now want to do the credit card shuffle from cards that do not support transfers straight to my bank account.

My question is as follows. Can I balance transfer from one card to another, even if the receiving account does not have any debt, ie after the BT the receiving card will be in credit.

If not clear let me provide an example:
I have an EGG card with £10k debt (already transferred) and an overall limit of £15k
I have a First Direct card with an unused £20k limit. Can I:
- BT all £20k from FD to EGG
- This gives me a £10k credit on my EGG card
- Then SBT £25k (£15k EGG limit + £10k EGG credit) from EGG to FD

Do you always have to have a debt to transfer? My assumption is you can probably do this as how would the different companies check whether you were/were not in credit before allowing this to BT.

A response on this would be appreciated

Reaper

Yes, you can put your Egg card in credit.
Yes, you can transfer more than your credit limit out if so.

Strictly speaking the T&C say BTs are to pay off debts, but in practice it will go through.

You may get a phone call from Egg if you do a particularly large BT to confirm that you authorised the transfer, but they don't ask any awkward questions.