Balance transfer before receiving card?

edited 30 November -1 at 1:00AM in Credit Cards
6 replies 877 views
faddyfaddy Forumite
508 Posts
✭✭
edited 30 November -1 at 1:00AM in Credit Cards
If you successfully apply for a balance transfer card and don't request a transfer during the application, can you request one before the card arrives? (Generally, though I'm guessing it varies from company to company)

Replies

  • icic Forumite
    3.2K Posts
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    ✭✭✭✭
    The cards I've had recently have each allowed many transfers within three months of the application, and all at the promotional 0% rate. Check the small print, it should confirm that for you.
  • faddyfaddy Forumite
    508 Posts
    ✭✭
    ic wrote: »
    The cards I've had recently have each allowed many transfers within three months of the application, and all at the promotional 0% rate. Check the small print, it should confirm that for you.
    Thanks, I knew about the three month thing but I was wondering if you can do one after acceptance but before card arrives - one possible issue being that you don't know the new card number until it arrives.
  • icic Forumite
    3.2K Posts
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    ✭✭✭✭
    Ah I get you - certainly with my Virgin card I needed the card to be able to log in to access the screen for doing more transfers. No idea if you could call the call centre and do it without the card.
  • maxximus75maxximus75 Forumite
    532 Posts
    500 Posts Third Anniversary Name Dropper
    ✭✭
    Just give them a call. They usually take the details over the phone and process the transfer.

    Or, once you have signed up for online account management, you should be able to do this request from your account although some issuers still require you to call in.
  • faddyfaddy Forumite
    508 Posts
    ✭✭
    maxximus75 wrote: »
    Just give them a call. They usually take the details over the phone and process the transfer.

    Even if you haven't yet received the card so don't know the card number?
  • maxximus75maxximus75 Forumite
    532 Posts
    500 Posts Third Anniversary Name Dropper
    ✭✭
    Yes.

    They will get you through security using other details and once passed, will take the details of the card you want to transfer to and that's about it :)
This discussion has been closed.
Latest MSE News and Guides

Covid test firms form self-regulating body

A bid to tackle poor service concerns

MSE News

Cheap home insurance

Grab 100+ quotes & cashback

MSE Guides