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Transfering a specific part of the balance

Hi I have used a barclaycard for a while to transfer balances to and get 0% because I get a new balance transfer offer each time. E.g.
BT 1 - £3000 - 0% end Apr 2019
BT 2 - £500 - 0% end Dec 2019
BT 3 - £1000 - 0% end Aug 2020
Etc. Etc.

Now one of the offers is coming to an end with a balance left to pay. Eg. Balance £400 0% end Apr 2019. But there's a total balance of £2000 on the card. Could I transfer the specific £400 to another card and avoid interest? I.e. if I BT £400 to another card will it take the balance from my oldest offer or newest?

I would like to avoid moving the full amount if possible.
Thanks

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    What do the terms of your card say about allocation of payments?

    That will determine what gets paid.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    These are the generic Barclaycard T&Cs (yours may be different!)...

    https://www.barclaycard.co.uk/content/dam/barclaycard/documents/personal/existing-customers/Terms-and-Conditions-Core-0118.pdf

    On page 7 (of 9) they say...
    If you have more than one promotional balance at the same interest rate, we’ll use your payment to reduce the balance with the promotional rate that ends first

  • Liamb
    Liamb Posts: 2 Newbie
    Thanks I took a look on my statement which was fairly generic:
    Allocation of payments
    Your payments will be applied in the following order:
    -Make any installment plan payments due for that month.
    -Reduce your main balance. We'll start with the balances charges at the highest rate first and then reduce the lower rate balances, and then
    -If you have taken out any installment plans, to reduce any remaining installment plan balance.

    I'm none the wiser so I'll need to take a look at more specific T&Cs I think.
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