0% balance transfer credit card

brinejoanna18

Hello.
I am a stay at home mum and I currently have a Santander credit card. My partner has a business and pays all the bills and gives me a monthly allowance. I am looking to transfer it into a 0% but am finding it difficult to be accepted as I don’t have an annual income. Can anyone help me to find a credit card that I will be accepted with. I currently have a Monthly direct debit of £50 on my current credit card and am happy to
continue to pay this on a new card. I just would prefer to transfer it onto a 0% so I am not paying interest fees each month. 

Help me please. 

[Deleted User]

You'll find it much easier for your partner to get the card, if he trusts you to repay him.

D3xt3r5L4b

We can’t help no. You can use some eligibility checkers etc. to see what you might be able to apply for 

onlyfoolsandparking

D3xt3r5L4b said:

We can’t help no. You can use some eligibility checkers etc. to see what you might be able to apply for 

NO! that just applies to you not being able to help. Take @Deleted_User advice, get your partner to apply for a new 0% BT card and then transfer the debt to it, then as long as your £50 a month payment is at least covering the minimum payment AND you can pay it all off before the promotion finishes it will be a good move.

D3xt3r5L4b

onlyfoolsandparking said:

D3xt3r5L4b said:

We can’t help no. You can use some eligibility checkers etc. to see what you might be able to apply for 

NO! that just applies to you not being able to help. Take @Deleted_User advice, get your partner to apply for a new 0% BT card and then transfer the debt to it, then as long as your £50 a month payment is at least covering the minimum payment AND you can pay it all off before the promotion finishes it will be a good move.

Good advice. Have someone else take responsibility of the debt in their name instead on the hopes you don’t break up or stop making the payments for some reason, married or not...

onlyfoolsandparking

D3xt3r5L4b said:

onlyfoolsandparking said:

D3xt3r5L4b said:

We can’t help no. You can use some eligibility checkers etc. to see what you might be able to apply for 

NO! that just applies to you not being able to help. Take @Deleted_User advice, get your partner to apply for a new 0% BT card and then transfer the debt to it, then as long as your £50 a month payment is at least covering the minimum payment AND you can pay it all off before the promotion finishes it will be a good move.

Good advice. Have someone else take responsibility of the debt in their name instead on the hopes you don’t break up or stop making the payments for some reason, married or not...

Thanks partners do help each other out with finances all the time don't they and it's only really a tiny minority that wouldn't or run everything separately in a real cold unfeeling way, maybe that's you Gary? are you one of those 'what's mine is mine' type? and if so what a lovely relationship you must have (assuming you have a relationship, which by the tone of your posts I would be very surprised if you do.) 

D3xt3r5L4b

onlyfoolsandparking said:

D3xt3r5L4b said:

onlyfoolsandparking said:

D3xt3r5L4b said:

We can’t help no. You can use some eligibility checkers etc. to see what you might be able to apply for 

NO! that just applies to you not being able to help. Take @Deleted_User advice, get your partner to apply for a new 0% BT card and then transfer the debt to it, then as long as your £50 a month payment is at least covering the minimum payment AND you can pay it all off before the promotion finishes it will be a good move.

Good advice. Have someone else take responsibility of the debt in their name instead on the hopes you don’t break up or stop making the payments for some reason, married or not...

Thanks partners do help each other out with finances all the time don't they and it's only really a tiny minority that wouldn't or run everything separately in a real cold unfeeling way, maybe that's you Gary? are you one of those 'what's mine is mine' type? and if so what a lovely relationship you must have (assuming you have a relationship, which by the tone of your posts I would be very surprised if you do.) 

I was merely pointing out that partners/marriages etc. do end up in hardship sometimes and then things become
difficult when it comes to money management.
However you took my comment and twisted it to suit your own posting agenda. Bravo, sir.  

onlyfoolsandparking

D3xt3r5L4b said:

onlyfoolsandparking said:

D3xt3r5L4b said:

onlyfoolsandparking said:

D3xt3r5L4b said:

We can’t help no. You can use some eligibility checkers etc. to see what you might be able to apply for 

NO! that just applies to you not being able to help. Take @Deleted_User advice, get your partner to apply for a new 0% BT card and then transfer the debt to it, then as long as your £50 a month payment is at least covering the minimum payment AND you can pay it all off before the promotion finishes it will be a good move.

Good advice. Have someone else take responsibility of the debt in their name instead on the hopes you don’t break up or stop making the payments for some reason, married or not...

Thanks partners do help each other out with finances all the time don't they and it's only really a tiny minority that wouldn't or run everything separately in a real cold unfeeling way, maybe that's you Gary? are you one of those 'what's mine is mine' type? and if so what a lovely relationship you must have (assuming you have a relationship, which by the tone of your posts I would be very surprised if you do.) 

I was merely pointing out that partners/marriages etc. do end up in hardship sometimes and then things become
difficult when it comes to money management.
However you took my comment and twisted it to suit your own posting agenda. Bravo, sir.  

Thanks again, don't be such a pessimist Gary no good can come of it, keep thinking positive , as I said people (especially partners) CAN and should help each other out with finances, it makes life that little bit easier, I'm sure you can agree with that sentiment? I don't know what you mean by 'twisted it to suit your own posting agenda' I only post to try and help people but thanks again, I appreciate it. 

D3xt3r5L4b

onlyfoolsandparking said:

D3xt3r5L4b said:

onlyfoolsandparking said:

D3xt3r5L4b said:

onlyfoolsandparking said:

D3xt3r5L4b said:

We can’t help no. You can use some eligibility checkers etc. to see what you might be able to apply for 

NO! that just applies to you not being able to help. Take @Deleted_User advice, get your partner to apply for a new 0% BT card and then transfer the debt to it, then as long as your £50 a month payment is at least covering the minimum payment AND you can pay it all off before the promotion finishes it will be a good move.

Good advice. Have someone else take responsibility of the debt in their name instead on the hopes you don’t break up or stop making the payments for some reason, married or not...

Thanks partners do help each other out with finances all the time don't they and it's only really a tiny minority that wouldn't or run everything separately in a real cold unfeeling way, maybe that's you Gary? are you one of those 'what's mine is mine' type? and if so what a lovely relationship you must have (assuming you have a relationship, which by the tone of your posts I would be very surprised if you do.) 

I was merely pointing out that partners/marriages etc. do end up in hardship sometimes and then things become
difficult when it comes to money management.
However you took my comment and twisted it to suit your own posting agenda. Bravo, sir.  

Thanks again, don't be such a pessimist Gary no good can come of it, keep thinking positive , as I said people (especially partners) CAN and should help each other out with finances, it makes life that little bit easier, I'm sure you can agree with that sentiment? I don't know what you mean by 'twisted it to suit your own posting agenda' I only post to try and help people but thanks again, I appreciate it. 

Indeed people can and, to a degree, should help.
But again I was merely pointing out that should it “turn sour” down the line then OP’s partner is lumbered with the debt. 

brinejoanna18

Thankyou everyone for your help! Stupidly I hadn’t thought of getting a 0% through my partner. Such a good idea, it is the best option for us but I can see how it may not be the best option for every couple.  I am definitely going to look into doing this. Thankyou all again x