General 0% balance transfer question between cards

CapnBirdsi

Hi,

Apologies if this has already been covered elsewhere, I did attempt to search for some things, but had no luck.

About 2 years to 30 months ago I took out 2 different cards to cover the debt on a 3rd card (Halifax and Barclaycard). Since my 0% balance transfer term has ended as they were only 24 month at the time. Both company's have written to me offering a further 18 months to balance transfer again.

My question is, would be be acceptable/honoured to shift the remaining debt of card A to card B, along with shifting debt from card B back to card A, thus getting a 0% deal on both cards? I did have to use the Barclaycard about 6 months ago to cover a car bill, but managed to get 0% on that also for about £600. So would their system also balance transfer the remainder which currently has interest accumulating on it or would that £600 almost get a "first priority" on paying off any debt?

The 3rd card (the original one) has had the account closed for a couple of years now.

Any advice would be more than welcome.

Thanks in advance,
Matt.

Sharon87

If you have enough balance available on each card, go for it! So just say you had £1000 debt on card A and the card B had £1100 available balance you will be able to transfer the £1000 from A to B

And because when you do balance transfers/pay off cards it takes the highest interest you can then transfer the card B balance to A.

You do need the available balance on the card though, it can't simply 'swap them'. If you don't have enough balance do what you can until you transfer the non 0% to the other card, then do another transfer.

Hope that makes sense?

grumbler

Sharon87 wrote: »

If you have enough balance available... available balance ...
You do need the available balance .... If you don't have enough balance....

Hope that makes sense?

For credit cards it's "available to spend", not "available balance".