Balance Transfer questions

Marabak

Hi guys and gals

I currently have around £5100 on a Barclaycard and £300 on a Lloyds card, paying the minimum (~160) on the former and £100 on the latter. I was thinking of balance transferring the Barclaycard so that my payments are at least clearing some of the debt and not just covering the interest*.

Using the eligibility tool on this very website, Barclaycard are the highest eligibility card that I can get, apart from CapitalOne which only lasts 6 months (Barclaycard has 30+months). I assume that I can't apply for another Barclarcard to transfer over, but can someone confirm that this is the case?

Moving down into the 50% eligibilty cards, Halifax and Bank of Scotland seems reasonable (Lloyds is also available but would be a similar situation to the Barclaycard). Obviously though, my chances of being successful in an application would be much lower.

I currently also have a 5000 loan from Sainsbury's for a car, which I am paying off 230 a month, with around 18 months to go.

So my question is, what should I do? or more specifically, can I transfer from a Barclaycard to another Barclaycard? If not, should I risk an application to Halifax or would getting turned down impact on my credit report too much for it to be worthwhile? Are there any other avenues I could pursue?

Thank you
Mark

*In a couple of months the Lloyds will be paid off, so I can move the 100 I pay to that towards the Barclaycard as well.

InsideInsurance

To get a promotional rate you can only transfer debt from another bank onto the card so if you were to get another Barclaycard you could only BT the £300 of Lloyds debt onto it at the preferential rate.

If you want to transfer both onto one card then it'll have to be outside of Lloyds and Barclaycard.