balance transfer for someone else

vintagegirl

My mum has an offer from her cc company for a balance transfer 0% for 16 months and we were wondering if she was able to balance transfer cc balances that were not in her name.

THis is not a moral question more just a wondering if its able to be done as she was under the impression that she could only balance transfer cards in her name thanks

Shelldean

nope you can balance transfer to other names.
OH did a trasnfer to my card and I've done it to his.

However one thing to point out is that debt be soley the responsibility of the person who owns the card it is transfered to.

So If Mum pays off your card via BT then the debt is no longer yours, it becomes hers.

So this should only be done where the person doing the transfer REALLY trusts the person who'es card they're paying

thenudeone

Santander DO NOT allow BTs to anyone else; but most do.

vintagegirl

THanks for your info guys. my mum is calling Barclaycard tomorrow to see if its a possibility

[Deleted User]

I wouldn't call them. I think Bcard tend to ask whose name the other card is in and they don't like it being someone else. Perhaps do it online instead.

vintagegirl

my parents wont do it online, they are very old fashioned

vintagegirl

thanks for all your help, i have managed to get a 0% deal for 12 months from Barclaycard

vintagegirl

further help needed as we have never done this before. i have minimum payments due on 29/11 and 05/12
do i still make these payments, or will it br through in time if we do it in the next 2/3 days

also what details do we give them and do i need to phone Vanquis and Aqua
thanks

sistafromanothermista

vintagegirl wrote: »

further help needed as we have never done this before. i have minimum payments due on 29/11 and 05/12
do i still make these payments, or will it br through in time if we do it in the next 2/3 days

also what details do we give them and do i need to phone Vanquis and Aqua
thanks

I would still make these payments just in case. You can always claim them back.
I take it Vanquis and Aqua are the 2 you're BT'ing? If so you don't need to call (the other CC will do all this) them other than to close the accounts!! (which you definitely should do to prevent you spending on them)

vintagegirl

thanks for your advice there, do i just need the card numbers or the sort codes and account numbers as wellx

Eonel

Just card number.