We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
BT to Capital One question
nicki_2
Posts: 7,321 Forumite
in Credit cards
Excuse this question if it appears silly but I am new to this BT 
I've been accepted for 6months at 0% with Capital One (I did apply for 18 months but didn't get it). On my application I asked for £1200 from my current credit card (Natwest Mastercard) to be BT.
Since then I have found out that I owe £200 on one loan (storecard which I thought was a fixed loan :mad: ) and I estimate that my partner owes approximately £670 on another storecard with the same company (originally 6 months interest free loan but we couldn't pay more than the minimum payments due to unforeseen circumstances so we've been whacked with interest/long term payments). I was wondering, since I had a BT request form in with the paperwork for Capital One to sign could I include this £870 on that? The storecards are with Time Retail Finance and I've already asked them if I can pay using a credit card but they said I would have to do it through my card company not them, I assume this means asking for a BT?
To summerise, I have an offer of a capital one at 0% for 6 months with upto £3000 limit, BT £1200 from Natwest card but would also like to BT two storecards totalling £870. Can I?
I've been accepted for 6months at 0% with Capital One (I did apply for 18 months but didn't get it). On my application I asked for £1200 from my current credit card (Natwest Mastercard) to be BT.
Since then I have found out that I owe £200 on one loan (storecard which I thought was a fixed loan :mad: ) and I estimate that my partner owes approximately £670 on another storecard with the same company (originally 6 months interest free loan but we couldn't pay more than the minimum payments due to unforeseen circumstances so we've been whacked with interest/long term payments). I was wondering, since I had a BT request form in with the paperwork for Capital One to sign could I include this £870 on that? The storecards are with Time Retail Finance and I've already asked them if I can pay using a credit card but they said I would have to do it through my card company not them, I assume this means asking for a BT?
To summerise, I have an offer of a capital one at 0% for 6 months with upto £3000 limit, BT £1200 from Natwest card but would also like to BT two storecards totalling £870. Can I?
Creeping back in for accountability after falling off the wagon in 2016.
Need to get back to old style in modern ways, watching the pennies and getting stuff done!
0
Comments
-
Most cards will let you do any number of BTs from different cards. You just need to check there are no fees.
As far as I can remember (I don't have a Capital One card myself) there are no problems doing it with Capital One. I'm sure somebody will be along soon to correct me if I'm wrong.0 -
Phone them and ask to do a balance transfer on both these cards to your Capital one card. When I had a Capital One I could do as many transfers as I wished up to my credit limit. You could also ask for a higher limit whist you are speaking to them. My last contact number for them was freephone 0800 9525150
John.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards