Can't Transfer Closed Credit Card Balance

dr_adidas01

GettingThrough84 said:

mcpitman said:

Hi,

Use the 16 digit card number on your statements from Barclaycard.

Input that into balance transfer screen on Virgins website.

Robert is your mother's brother.

Unfortunately I can't find the 16 digits, the Barclaycard statement only lists the last four digits and I can't find them anywhere on my online banking. Is there a way to find your card details if they aren't on your statement and you don't have a card anymore? I've even looked on my credit report to see if they had them. 

Are you sure as when I log into my Barclaycard and then go to the statements part and open a statement it shows what my Barclaycard is and what the card number is. It’s located on the left hand side of the statement at the top. 

kimwp

When you say ”apparently if you have a closed account there is no way to transfer your balance", where are you getting this information from or why do you think that is the case?

GettingThrough84

kimwp said:

When you say ”apparently if you have a closed account there is no way to transfer your balance", where are you getting this information from or why do you think that is the case?

This is what Barclaycard support told me, they said it's not possible to do. I said I thought that was pretty awful to keep people in debt. I did end up finding my credit card number- it's not on my current statements but it's on one a couple of years old. I've seen elsewhere people saying you could try to do a balance transfer using a made up expiry date on a closed account. Feel a little weird trying something like that though, is it even legal to do?

D3xt3r5L4b

You need to keep with the payment plan and get it cleared down.

born_again

kimwp said:

When you say ”apparently if you have a closed account there is no way to transfer your balance", where are you getting this information from or why do you think that is the case?

One odd thing is the OP mentions high interest rate.
Usually a payment plan and closed card will mean that you are not paying any interest. Only the balance. In effect they have written the interest off as a way of getting something back.

As to transferring the balance. It could be that due to the payment plan any transfers are blocked.
Has the OP actually got a approved offer of a 0% card, or is it just saying you will get one? If it is the latter then a very good chance, once they realise their is a payment plan in place the offer gets declined.