Transferring credit card balances/improving credit score

Walter43

Hello,

I have 3 credit cards which are due come out the initial promotional interest rate in the next 2 months, they will each move from 0% to 20% plus. I currently cannot get accepted for a lower rate card due to my credit score.

Question1: If my wife has a good credit score and gets accepted for a 0% credit card. Can she transfer my balance to her card?

Question 2: I have checked my credit report on line with Experian and Noodle. Experian said I had high limit on my 3 cards and this meant that I already had a lot of debt available to me. Therefore; I reduced the credit limits on all 3 cards to just above the current balances.

The noodle credit report said that I was using to high a proportion of my available debt.

Which is correct? Should I move my balances back to the highest limit to reduce the proportion used?

Thank for your help

newtotrading

Walter
your wife can pay off your debt with her card if she has a good rating, i cleared a gf's a few years ago onto a 0& balance transfer card for her