Shift Credit Card Debt while on Maternity Leave?

ADPawsy

Hi all,
My partner has 4.5k on her HSBC credit card, and was originally planning to balance transfer to a 0% card this month when the HSBC card's 22.9% interest rate kicks in.
However, we have been turned down for a balance transfer card (from NatWest) because my partner is on maternity until March and we only took our mortgage out in November 2019.
Does anyone have any ideas on how we can creatively shift this debt to a lower interest rate?

Thanks in advance!

bradders1983

I mean, YOU could apply for a card that allows you to pay off someone elses debt, but you then take legal responsibility for that debt over and not all providers allow it.

ADPawsy

@bradders1983 I did think about that, but I have also taken out the mortgage (with NatWest) within the last year, so I am assuming that would prevent me from doing that?

bradders1983

No idea but you are in a better position to try are you are not the one on maternity leave

born_again

There are some co's that will allow you to balance transfer your partners debt. But as above that then becomes yours. Make sure that her credit card is destroyed and acc closed. 
But what has happened here is exactly why you should be paying off any 0% offer before the end of the deal. Not hoping that a new one will come along to bail you out. 
Also this type of thing could be the next one that gets picked up as a "Persistent Debt" and cause card co to take action.