Can I Do A Balance Transfer From Someone Else’s Credit Card?

Here at Balance Transfer Expert we have over recent months, seen many UK credit card customers looking for answers to questions about a balance transfer from someone else’s credit card.

Usually, when making a balance transfer, a credit card customer will transfer the outstanding balance from a credit card in their own name to a new credit card, also in their name.

However, what if you would like to transfer the outstanding balance from someone else’s credit card, whether that be your wife, husband, spouse or live in partner, to a new balance transfer credit card in your name.

Common questions we have seen on this topic recently have included all of the following:-

• Can I transfer my husband’s credit card balance to mine
• Can I balance transfer my partners credit card?
• Can I transfer my wife’s credit card balance to mine?
• Can you do a balance transfer for someone else?
• Can you transfer credit card balance to someone else?
• Can I do a balance transfer from my husband card?
• Can I transfer someone else’s credit card balance to mine?

You for example, may be more likely to be approved for a new 0% balance transfer credit card, while it may be your husband, wife or partner that has the outstanding debt on a credit card in their name.

Is this type of balance transfer possible and if so, how do you make it happen in 2018?

Can I Do A Balance Transfer From Someone Else’s Credit Card?

In most cases, the credit card companies will allow you to complete a balance transfer from someone else’s credit card on to a credit card that you are applying for, or already have.

The process when making a balance transfer from someone else’s card is the same as when carrying out any other balance transfer.

You simply need to supply the correct balance transfer information including the name of the credit card, the credit card number and the amount of the balance that you wish to transfer.

When you apply for a credit card and online balance transfer, many balance transfer request forms do not ask for the name of the cardholder, they just ask for the credit card number you wish to transfer the balance from.

You may however, be more likely to be asked for the name of cardholder when applying for a new balance transfer credit card on the telephone.

However Watch This Important Issue

Before you jump straight in and transfer a balance from someone else’s credit card to your own, consider the following important issue :-

Once the balance is transferred on to a credit card in your name, then you assume all the liability for the debt.

In other words the credit card company will now hold you responsible for the outstanding amount and all repayments of the outstanding balance. It will be your credit rating at risk in the event of any non payment.

All of the following UK featured balance transfer credit cards will allow an online balance transfer from someone else’s credit card.

Card Offers

M&S Transfer Plus*

Balance Transfers:

0% for 32 Months

Balance Transfer Fee:

0.99%

Purchases:

0% for 6 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Transfer Plus*

• 0% for 32 months on balance transfers made within 90 days of account opening
• 0.99% balance transfer fee, minimum £5
• 0% on purchases for 6 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Preferential rates when you use your card to order M&S Travel Money
• Manage account online
• Annual Fee: None

Application Criteria

M&S Transfer Plus*

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

Card Offers

HSBC*

Balance Transfers:

0% for 32 Months

Balance Transfer Fee:

1.4%

Purchases:

0% for 3 Months

Representative APR:

19.9% APR (variable)

Card Details

HSBC*

• 0% interest on balance transfers for 32 months made within 60 days of account opening
• 1.4% balance transfer fee (minimum £5)
• 0% interest on purchases for 3 months from account opening
• At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
• home&Away rewards programme giving you instant discounts from well-known brands
• Online account management
• Annual Fee: None

Application Criteria

HSBC*

• You have an annual income or pension before tax of £8,500 or more
• You are a UK resident, including Isle of Man and Channel Islands
• You are aged 18 or over
• You do not hold an HSBC Basic bank account

Card Offers

Nationwide Select Credit Card just for Nationwide members*

Balance Transfers:

0% for 12 Months

Balance Transfer Fee:

0%

Purchases:

0% for 12 Months

Representative APR:

15.9% APR (variable)

Card Details

Nationwide Select Credit Card just for Nationwide members*

• 0% on balance transfers for 12 months from account opening
• 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
• 0% on purchases for 12 months from account opening
• Unlimited commission free purchases abroad
• Manage account online
• Annual Fee: None

Application Criteria

Nationwide Select Credit Card just for Nationwide members*

• Our credit cards are just for members. You’re a member when you have a current account, mortgage or savings account with us
• Our credit card exclusively for members with a main current account
• You have been living in the UK for the last 12 months
• You have a gross income each year of more than £5000
• You have a good credit history
• You are aged 18 or over

Card Offers

Nationwide Credit Card just for Nationwide members*

Balance Transfers:

0% for 12 Months

Balance Transfer Fee:

0%

Purchases:

0% for 12 Months

Representative APR:

17.9% APR (variable)

Card Details

Nationwide Credit Card just for Nationwide members*

• 0% on balance transfers for 12 months from account opening
• 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
• 0% on purchases for 12 months from account opening
• Commission free allowance on purchases abroad (subject to terms)
• Manage account online
• Annual Fee: None

Application Criteria

Nationwide Credit Card just for Nationwide members*

• Our credit cards are just for members. You’re a member when you have a current account, mortgage or savings account with us
• You have been living in the UK for the last 12 months
• You have a gross income each year of more than £5000
• You have a good credit history
• You are aged 18 or over

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 25 Months

Balance Transfer Fee:

2.9%

Purchases:

0% for 25 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Shopping Plus*

• 0% for 25 months on balance transfers made within 90 days of account opening
• 2.9% balance transfer fee, minimum £5
• 0% on purchases for 25 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Preferential rates when you use your card to order M&S Travel Money
• Manage account online
• Annual Fee: None

Application Criteria

M&S Shopping Plus*

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

Card Offers

HSBC Dual*

Balance Transfers:

0% for 26 Months

Balance Transfer Fee:

2.89%

Purchases:

0% for 26 Months

Representative APR:

22.9% APR (variable)

Card Details

HSBC Dual*

• 0% interest for 26 months on balance transfers made within 60 days of account opening
• 2.89% balance transfer fee (minimum £5)
• 0% on purchases for 26 months from account opening
• At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
• home&Away rewards programme giving you instant discounts from well-known brands
• Online account management
• Annual Fee: None

Application Criteria

HSBC Dual*

• You have an annual income or pension before tax of £8,500 or more
• You are a UK resident, including Isle of Man and Channel Islands
• You are aged 18 or over
• You do not hold an HSBC Basic bank account

So, in summary, yes you can transfer a balance from someone else’s credit card.This is provided that you understand and are comfortable with the transfer of the debt liability from your partner, your wife or your husband to yourself.

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