Credit Card Shuffle

LucidlyKataklys

Hi,

Long time viewer/first time poster.

I currently have a bit of debt on a Halifax credit card, needed to get a few things on it that I knew I couldn't afford in 1 go and couldn't pay off before the interest free period.

Coming up to the end of the 0% period in a few months time and Lloyds are offering a decent deal at the moment with 21 months 0% and effective 1.5% balance transfer (50% cashback).

I know that Lloyds and Halifax were merging at some point, so my question is:

Could I transfer by credit balance from the Halifax card to the Lloyds?

Sorry if this has been asked before.

OllyM

I think the answer is no - see the 'Important Information' on the product page:

Information about Balance Transfers
Balances must be transferred from non-Lloyds Banking Group credit cards or store cards within 90 days of account opening. Balance transfers are subject to your credit limit and must be of at least £100. If you don’t pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges. (see section 6 of customer terms and conditions for further details on payment allocation).

Halifax is part of the Lloyds banking group.