Balance transfer to wife's card from husband's card?

Belenus

My wife has a 0% interest Balance Transfer offer on a credit card in her name.

I have a different bank's credit card on which she has a secondary card?

As far as I am aware, a BT to her credit card should only come from another bank's credit card in her name. It shouldn't come from a card in my name or a third party's name.

However, when doing a BT request on her card, it only asks for the £amount and the 16 digit number. It doesn't ask for the name on the card.

We don't want to risk the BT failing or bouncing as we have more than enough cash to settle my card in full. This is all part of stoozing and we don't want to risk paying any interest for a failed or reversed payment.

Could we use her secondary card number, which is in her name albeit on my account and my responsibility. Would that work or would my card provider bounce the payment as she is not the account holder.

If we use my card number, how likely is it to fail due to it being in my name?

Anecdotally I know others have successfully done BTs from one person's card to another person;e card.

I have two weeks to go before the due date on my card so we could do the BT now which gives me enough time to pay by other means if it fails or gets reversed.

Thanks

km1500

I would definitely not use the secondary card number as that will almost certainly fail 

as you say, anecdotally people have done a balance transfer from different people's names so if I were you I would just go ahead and try it out 

I doubt if you will get a definitive yes/no here anyway

Brie

My OH and I both have CCs in our own names with the other as the second card holder.  It has made absolutely no diffference in the last 20 years whose card I've used to do BTs to another account.  Mine to his, his to mine, no difference.  Frankly I don't think the CC companies care as they are getting their nice fee.

DullGreyGuy

Brie said:

My OH and I both have CCs in our own names with the other as the second card holder.  It has made absolutely no diffference in the last 20 years whose card I've used to do BTs to another account.  Mine to his, his to mine, no difference.  Frankly I don't think the CC companies care as they are getting their nice fee.

20 years isn't relevant because most of it pre-dates OpenBanking where one bank can now check the name on another account. 

Some banks care, others dont -v- the good old days when they had no way to check. 

Belenus said:

However, when doing a BT request on her card, it only asks for the £amount and the 16 digit number. It doesn't ask for the name on the card.

They dont need to ask these days, they can check for themselves if the recipient account is or isn't in the same name as their customers. 

Havent needed to do too many BTs in recent years thankfully but there are some banks who still dont care but there are some that do. Enter the primary card number, they'll instantly tell you if they are going to reject because the balance carrying card isn't in the right name. 

marcia_

 Hubby tried a balance transfer with nationwide on to my card and it was rejected because it wasn't his card. Instead he did a money transfer and paid my card that way. 

surreysaver

Its all guesswork answering this, as the OP hasn't stated which credit card it is, so we don't know the T&Cs.

Belenus

Thanks for the replies.

We will try a BT from my account using my 16 digit number and see what happens.

km1500

let us know the outcome ! 

Belenus

I did the transfer from my card to my wife's card an hour ago. It appeared to go through normally. As today, Sunday, is not a normal working day, it won't be actioned until Monday.

I will update this thread on the outcome in a few days which ever way it goes.

Belenus

The BT is now showing as cleared on my cc account with a date of 17th (Sunday).

Thanks everyone for your comments and advice.

marcia_

Belenus said:

The BT is now showing as cleared on my cc account with a date of 17th (Sunday).

Thanks everyone for your comments and advice.

That's great thanks for letting us know. What bank was it?