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Using a balance tansfer for husbands credit card debt

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Can i apply for a credit card and take a balance transfer from my husbands credit card?

Comments

  • yep. I've done it a few times. :)
    DEBT FREE AND PROUD:D
    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
  • DavidDebt
    DavidDebt Posts: 51 Forumite
    Most credit cards allow balance transfers from any card regardless of who the credit card belongs to. they may query this if the cardholder address is different than your address.

    Certainly from experience you can do this with:


    Bank of Scotland / Halifax
    Nationwide
    Barclaycard
    Virgin / MBNA


    Cheers

    David
  • NickX
    NickX Posts: 3,046 Forumite
    Anecdotal evidence on here suggests Santander are not keen on this idea, but you would probably be able to complete the transfer online.

    Other banks tend to just ask for the card number from which the debit is being transferred.

    You should be aware that once the debt is transferred sole liability for the debt will be passed to yourself.
  • fozmcfc
    fozmcfc Posts: 3,098 Forumite
    Part of the Furniture Combo Breaker PPI Party Pooper Debt-free and Proud!
    You cannot transfer from the same group of cards though.

    For example, you can't transfer from a Barclaycard to a Barclaycard or a Halifax card to a Halifax card.

    Some cards such as Virgin are also backed by another company in this case MBNA. So you couldn't transfer from an MBNA card to a Virgin card for instance.

    This site which is recommended by Moneysavingexpert, shows most of the 0% balance transfer deals and also who backs (i.e. which group) the card belongs too.

    www.stoozing.com
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