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Can I Balance Transfer from my spouse's credit card?

sausage_time
sausage_time Posts: 1,096 Ambassador
Ninth Anniversary 500 Posts Name Dropper Photogenic
in Credit cards
I have just received my first ever 0% fee 13 month BT card. I have a monster balance to transfer over at the end of this month.

Can I give the number of a card owned by my spouse?  I can't see anything in the T&Cs saying I can't!


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Comments

  • MorningcoffeeIV
    MorningcoffeeIV Posts: 1,945 Forumite
    1,000 Posts First Anniversary Name Dropper
    Possibly.

    Some cards prohibit it, some don't. In most cases you will get away with it, even if prohibited.
  • marcia_
    marcia_ Posts: 2,656 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
     Depends on the CC provider. Hubby tried to take on one of my cc debts and nationwide said no
  • Nasqueron
    Nasqueron Posts: 10,006 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    If no-one asks and they never check up, you can do it but of course that means you will assume responsibility for the debts so if you did split up less than amicably, you have to pay the debt as it's in your name

    Make sure you pay the debt down using the money you saved in interest - or a solid plan to pay off at the end, don't rely on another offer to replace that one or just spend the money you're saving

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • DullGreyGuy
    DullGreyGuy Posts: 14,815 Forumite
    10,000 Posts Second Anniversary Name Dropper
    Since OpenBanking they have not need to ask who owns the target card as they can check for themselves. Many state you can only transfer your own debt but historically had no way to enforce this, now they do but still only some are. 

    Virgin for example do enforce it but MBNA don't. 
  • Fingerbobs
    Fingerbobs Posts: 1,687 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Most, if not all, cards state that you are only allowed to transfer balances from cards in your own name, but in practice I've never had problems transferring from other people's cards online. Tesco used to make you tick a box to confirm that the card you were transferring from was your own, but even then it wasn't enforced. 
  • pecunianonolet
    pecunianonolet Posts: 1,497 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Jumping on the back of this, if it is ok. 

    Got a deal last year with MBNA (stoozing) which is coming to an end now in early Feb. Cash is sitting in savings so no issue to repay, as it was originally planned. OH might be eligible for some of the 0 fee, 0 interest deals still available so if the above works without trouble, we wouldn't mind holding on to our cash a little longer while we can still get decent interest.

    Which providers are fine taking on debt of somebody else without fuss? 
  • Nasqueron
    Nasqueron Posts: 10,006 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    The last time I did transfers from M&S, Tesco, Barclaycard and Halifax, all just wanted a card number and amount.

    Santander I had to ring up as the BTs kept being reversed and they asked me to confirm it was my debt but that was it.

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • Janes888
    Janes888 Posts: 34 Forumite
    Second Anniversary 10 Posts
    https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/#accordion-content-0609009948-6

    On this  link one of the questions is Can i transfer my partners debt on to my 0% card and a list of banks are provided showing whether they accept or not.  Barclaycard, First direct, HSBC and Sainsburys bank all show that they accept transfer.
  • DJSINGH
    DJSINGH Posts: 182 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Has anyone (without question) been able to successfully balance transfer a partners debt to a RBS/Natwest BT (0%) Card?
  • DullGreyGuy
    DullGreyGuy Posts: 14,815 Forumite
    10,000 Posts Second Anniversary Name Dropper
    You need to specify recently @djsingh. Did so years ago before OpenBanking but back then the bank had no automated way to check if the debt was yours or not, now they do with most other banks. 
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