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

In recent months, we have seen many UK credit card customers looking for answers to questions about a balance transfer from someone else’s credit card.

In most cases, when making a balance transfer, a 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? This transfer could be from 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?

Often, it may be one person that is more likely to be approved for a new 0% balance transfer credit card, while it may be their 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 these transfers happen in 2020?

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. This can be to a credit card that you are applying for, or to a card you 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. This  includes 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 generally, 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. As a result, you are now also responsible for 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 28 Months

Balance Transfer Fee:

2.85%

Purchases:

0% for 6 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Transfer Plus*

• 0% for 28 months on balance transfers made within 90 days of account opening
• 2.85% 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 Transfer*

Balance Transfers:

0% for 25 Months

Balance Transfer Fee:

1.5%

Purchases:

0% for 3 Months

Representative APR:

21.9% APR (variable)

Card Details

HSBC Balance Transfer*

• 0% interest on balance transfers for 25 months made within first 60 days of account opening
• 1.5% balance transfer fee (minimum £5)
• 0% interest on purchases for 3 months from account opening
• At end of promotional 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 Balance Transfer*

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

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 20 Months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Shopping Plus*

• 0% for 20 months on balance transfers made within 90 days of account opening
• 2.9% balance transfer fee, minimum £5
• 0% on purchases for 20 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

Nationwide Member Credit Card*

Balance Transfers:

0% for 18 Months

Balance Transfer Fee:

1.5%

Purchases:

0% for 3 Months

Representative APR:

19.9% APR (variable)

Card Details

Nationwide Member Credit Card*

• 0% on balance transfers for 18 months if made within 90 days of account opening
• 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
• 0% on purchases for 3 months from date you open your account
• Unlimited commission-free purchases abroad
• Manage account online
• Annual Fee: None

Application Criteria

Nationwide Member Credit Card*

• Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
• You are a UK resident
• You have a minimum income of £5000 per year
• You have a good credit history
• You are aged 18 or over

Card Offers

HSBC Purchase Plus*

Balance Transfers:

0% for 18 Months

Balance Transfer Fee:

2.9%

Purchases:

0% for 18 Months

Representative APR:

22.9% APR (variable)

Card Details

HSBC Purchase Plus*

• 0% interest for 18 months on balance transfers made within first 60 days of account opening
• 2.9% balance transfer fee (minimum £5)
• 0% interest on purchases for 18 months from account opening
• At end of promotional 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 Purchase Plus*

• You have an annual income or pension before tax of £8,500 or more
• You are a UK resident
• 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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