Transfers from someone else's card...

Jason_P_2

Hi all,

I'm doing some research for a friend (really!) and have been trying to find out which of the 0% BT cards allow transfers from another persons card - in this case his wife's.

Also - when applying for a BT card, is there any way of getting a handle on likely credit limits before signing on the dotted line? My friend has a debt he needs to clear, and I'm suggesting that paying it via cc then transferring to a BT card will be the cheapest way in the long run - but the debt is greater than the limit on his only cc, hence the idea of spreading the debt over his and his wife's card... The chicken/egg factor is that if they pay said debt before applying for the BT card then get a limit too low to pay the 2 cards off, they're in a worse position.

Any advice?

Ta!

jonesMUFCforever

Please explain how paying the ''debt'' via credit card and then BT it means? What kind of debt is it? Is it likely that the creditor will accept a credit card payment?

Fruit_and_Nut_Case

Jason_P wrote: »

I'm doing some research for a friend (really!) and have been trying to find out which of the 0% BT cards allow transfers from another persons card - in this case his wife's.

This should be on a list of FAQs, if there were such a thing here.

Almost any card will do. Tell "your friend" to do the transfer online; less chance of giving the game away and having an operator query things.

Most times only the 15/16 digit number on the card is required.

Good luck. To "your friend", I mean.

thenudeone

Sanatander explicitly state that only balances in the main cardholder's name can be transferred. Most other cards aren't so fussy.

Jason_P_2

Fruit_and_Nut_Case wrote: »

This should be on a list of FAQs, if there were such a thing here.

Almost any card will do. Tell "your friend" to do the transfer online; less chance of giving the game away and having an operator query things.

Most times only the 15/16 digit number on the card is required.

Good luck. To "your friend", I mean.

LOL! For once this really is for a friend, though no-one will believe me!

Jason_P_2

jonesMUFCforever wrote: »

Please explain how paying the ''debt'' via credit card and then BT it means? What kind of debt is it? Is it likely that the creditor will accept a credit card payment?

Yes it's a debt that can be paid by CC. The interim step is just to enable him to get it transferred to 0% BT deal. He could try the money transfer card route but they're few and far between compared to BT cards, and the higher rate charged equals the charges for payment initially then transfer across.

jonesMUFCforever

Get your friend to apply for a card that offers a long purchase deal rather than a balance transfer deal. They can then taylor the payment - if the limit is not enough they should at least be able to transfer a good whack of it.