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Additional card holder balance transfer
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GraceF125
Posts: 60 Forumite

in Credit cards
Does anyone know if there are currently any 0% balance transfer cards which allow the initial balance transfer to be from a card (Halifax) on which you're an additional card holder? This would be for my daughter to transfer "her" debt (from my card on which she's an additional card holder) to a new (her first) credit card.
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GraceF125 said:....to a new (her first) credit card.0
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eskbanker said:GraceF125 said:....to a new (her first) credit card.
Ah good point, I thought we might check eligibility for a BT card which we knew would allow it first. She's done a general eligibility check for a credit card in the past and was told she would be accepted, but not for a BT card. Would it be the same for a Money Transfer card? A first time credit card applicant unlikely to qualify?
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GraceF125 said:eskbanker said:GraceF125 said:....to a new (her first) credit card.0
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Best would be a money transfer card & she transfers to her bank account & then on to you.
Just to point out, she does not have a debt, as account holder you do 😶🌫️Life in the slow lane0 -
GraceF125 said:Does anyone know if there are currently any 0% balance transfer cards which allow the initial balance transfer to be from a card (Halifax) on which you're an additional card holder? This would be for my daughter to transfer "her" debt (from my card on which she's an additional card holder) to a new (her first) credit card.
Many BT cards require you to be the accountholder of the account receiving the funds and since OpenBanking its become much easier for them to check the name rather than taking it on trust. Personally, only tried transferring it from the accountholders card in which case MBNA rejected the transfer but Virgin were happy to proceed. I dont know if the result with MBNA would have been different if the secondary cardholders number had been used or not... in our case the receiving card was a brand that gives different card numbers to each cardholder (not all do).
This may be academic if she doesn't qualify for a BT card anyway.1 -
Can she not pay you monthly and you then make the payments to your credit card?0
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retiredbanker1 said:Can she not pay you monthly and you then make the payments to your credit card?1
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GraceF125 said:retiredbanker1 said:Can she not pay you monthly and you then make the payments to your credit card?
Removing her from the account she is a additional card holder on. Then if she wants to get her own card she can.Life in the slow lane0
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