credit card help

Hi 

I recently paid £60 remaining balance on Klana to start snowballing my  debt with, I want to tackle one of our credit cards adding £60 to the minimum payments next. I got accepted for a fluid 0% interest card and wanted to do a balance transfer but to my frustration couldn't because the card is in my wife's name. I had also got accepted for a capital one 0% interest card but cant use that either!!! What I want to know is if i keep the cards without using them will it help my credit score or should I cancel them straight away to gain a better chance of my wife applying for one instead? 

Comments

  • bizmark
    bizmark Posts: 5
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    Also when trying to do a balance transfer on fluids app from a different card it said you cant transfer new day to new day.
    So my question is, is there  a list someone could share of all credit card companies and their cards as so I don`t  apply for the same/wrong ones in the future.
  • [Deleted User]
    [Deleted User] Posts: 35,242
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    Don't worry about your credit score. It's not a thing.

    Now you have the card, you may as well keep them (but use them and clear in full). 

    Did you try to do the BTs online? They will generally go through.  If not, look for a money transfer card  - it's a little more expensive, but will definitely work. What you can't do is a BT between cards from the same stable.

    Can your wife not apply for a BT card?

  • bizmark
    bizmark Posts: 5
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    Don't worry about your credit score. It's not a thing.

    Now you have the card, you may as well keep them (but use them and clear in full). 

    Did you try to do the BTs online? They will generally go through.  If not, look for a money transfer card  - it's a little more expensive, but will definitely work. What you can't do is a BT between cards from the same stable.

    Can your wife not apply for a BT card?

    I did try through the fluid app, I don`t want to use them as I cant afford them also I will get my wife to try but didn't know whether to cancel them first? Is there a list of cards from the same stable?
  • [Deleted User]
    [Deleted User] Posts: 35,242
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    edited 4 March 2022 at 2:34PM
    Just check the issuer of the card in question on their website.
  • I have never had a BT where they asked for name, just number and amount, are you sure you can't do it on a website or app? The receiving card is just paying off the sender card so sender (with the debt) doesn't know who paid it and the receiver shouldn't really need to know if it's yours or your wife's card - so long as you are aware you are taking on responsibility for her debt
  • bizmark
    bizmark Posts: 5
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    I assumed it was because of my name being different but this is the error message , yet both cards ARE under the same address
  • Check the exact wording on both addresses, on both accounts, they may have some discrepancies
  • MrFrugalFever
    MrFrugalFever Posts: 1,228
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    It is possible to BT from someone else’s card to yours, there’s information about this on some lenders sites. Basically they just state that you will be legally and fully liable for that debt should you do it.

    you can’t BT from the same lender (fluid, marbles, ocean and aqua are all part of newday ltd I believe), should be able to BT on to your cap1
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