Can I transfer the balance of a closed account?

SGM26

I'm currently repaying the balance on a barclay card credit card which was closed last year (due to persistent debt or whatever they call it)

Because of the interest I'm barely making a dent into what I have left to pay (paying as much as I can afford each month).

I've since acquired a 0% balance transfer card with just over 2 and a half years interest free on transfers. 

Can I still transfer the balance despite the account being closer? I still have the credit card to hand however it has since expired.

Thanks in advance. 

[Deleted User]

I don't see why not, it's simply a payment to the card, they don't "see" where the money comes from as such, just that the card was given a payment. The fact the account is "closed" should be irrelevant as you are clearly able to pay it off by cash at the moment

SGM26

OK, thank you very much.  

MikeG1603

Hi SGM26

can I ask how you got on? Did you manage to balance transfer from your closed credit card account.  I have a similar issue with Halifax closing a card I have just taken out for a balance transfer and giving no reason.  The interest free offer will still run its course but I don't know if I'll be able to transfer to another 0% card in the future if the original card is closed.

TadleyBaggie

MikeG1603 said:

Hi SGM26

can I ask how you got on?

You can ask but I doubt you will get an answer. The OP hasn't logged back in since March.

Ebe_Scrooge

MikeG1603 said:

I don't know if I'll be able to transfer to another 0% card in the future if the original card is closed.

In that case, just make sure you pay off the balance in full by the time the 0% promotional rate expires.

And an account cannot be "closed" whilst there is still a balance on it.  Unless the debt has been completely written off, the account is still open.  They may decide to stop any further spending on the account, for whatever reason, but the account is still open.

DullGreyGuy

Deleted_User said:

I don't see why not, it's simply a payment to the card, they don't "see" where the money comes from as such, just that the card was given a payment. The fact the account is "closed" should be irrelevant as you are clearly able to pay it off by cash at the moment

They can see where the money is coming from... money laundering would be so much easier if they couldnt. 

The account is unlikely to be closed, appreciate thats what the OP states, but instead just the card is suspended so they cannot make more purchases and in exchange Barclaycard have reduced the interest. Having looked at a friends credit reference history their account shows as Active despite the card being suspended by Barclays.

[Deleted User]

DullGreyGuy said:

Deleted_User said:

I don't see why not, it's simply a payment to the card, they don't "see" where the money comes from as such, just that the card was given a payment. The fact the account is "closed" should be irrelevant as you are clearly able to pay it off by cash at the moment

They can see where the money is coming from... money laundering would be so much easier if they couldnt. 

The account is unlikely to be closed, appreciate thats what the OP states, but instead just the card is suspended so they cannot make more purchases and in exchange Barclaycard have reduced the interest. Having looked at a friends credit reference history their account shows as Active despite the card being suspended by Barclays.

If you read the context of what I wrote, it's clear that the OP is talking about making a a BT to this account, hence why I said they don't "see" where it comes from in inverted commas - it's a payment

DullGreyGuy

Deleted_User said:

DullGreyGuy said:

Deleted_User said:

I don't see why not, it's simply a payment to the card, they don't "see" where the money comes from as such, just that the card was given a payment. The fact the account is "closed" should be irrelevant as you are clearly able to pay it off by cash at the moment

They can see where the money is coming from... money laundering would be so much easier if they couldnt. 

The account is unlikely to be closed, appreciate thats what the OP states, but instead just the card is suspended so they cannot make more purchases and in exchange Barclaycard have reduced the interest. Having looked at a friends credit reference history their account shows as Active despite the card being suspended by Barclays.

If you read the context of what I wrote, it's clear that the OP is talking about making a a BT to this account, hence why I said they don't "see" where it comes from in inverted commas - it's a payment

If you mean "see" = care then fair enough but using the plain english meaning of see they can see where the money comes from

MoonlightMadness

I'm having the same issue. I had an Amazon Reward Account that was closed when it was moved to Pulse. They said I can't do a balance transfer even if I had the credit card number as the account is closed and I am only been able to make payments as the account number stays the same. They said I had to call the company I want to transfer the balance to so now I am waiting for a callback from them.

Nasqueron

MoonlightMadness said:

I'm having the same issue. I had an Amazon Reward Account that was closed when it was moved to Pulse. They said I can't do a balance transfer even if I had the credit card number as the account is closed and I am only been able to make payments as the account number stays the same. They said I had to call the company I want to transfer the balance to so now I am waiting for a callback from them.

Your alternative would be a money transfer card, pay off the debt and then pay the MT off - if you got a 0% one, happy days, if not, send the MT balance to the BT card like a normal transfer