credit card BT, advise needed

shiwen55

Hi,


To cut the story short, I have used my mom's credit and paying it back (my credit is getting better now). I have just received a BT offer card from Tesco, okay.


One of my mom's card, BOS, is on BT offer until Sep 2019 - I have transferred some of my debt to her TSB for 15 months free interest BT.


Now, my plan is to reduce as much as TSB and keep paying BOS. Dec 2018, I will have a clean credit file so by Sep 2019, I can definitely apply for another BT card and transfer BOS and whatsoever is left.


Or, I can pay as much as I can towards BOS and shuffle between TSB and my Halifax. (TSB 15 months, Halifax 9 months - until cleared)


What do you think? Do you have any advise?


Thanks,


shiwen55

shiwen55

Update:

BT BoS and planning to shuffle between TSB and Halifax

shiwen55

Candyapple

Can you do balance transfers between Halifax and BOS cards? I didn't think it was possible:

https://www.bankofscotland.co.uk/creditcards/forms/balance_transfer/faqs.asp

http://static.halifax.co.uk/assets/pdf/creditcards/pdf/balance-transfer-important-info.pdf

shiwen55

Thanks for pointing this out

I used my instincts so !!

shiwen55