Which of us should apply for BT card?

gracie83

My OH has a credit card account which is his name and I am a card holder on the account. We are looking to do a balance transfer to speed up the repaying of the money. My query is would it have to be my fiance who opens the BT card as the named account holder (all the statements are in his name) or as I have a card for the original account, can I set up the transfer?
I have never tried anything like this before so I don't know what the credit card companies require.
The preference would be to have the new card in my name but either of us should be able to obtain the card.

Also we bought a house in July - should enough time have passed now for the electoral roll, mortgage applications etc to not have a negative effect on credit report?

Finally we are looking to transfer from M &S's &more to the Virgin 15 month deal. Is that an acceptable swap over (I think HSBC is parent to &more not sure about Virgin though)

Thanks for advice