{"id":167497,"date":"2019-01-31T17:08:27","date_gmt":"2019-01-31T17:08:27","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=167497"},"modified":"2024-04-02T18:47:21","modified_gmt":"2024-04-02T17:47:21","slug":"balance-transfer-debt-from-partner","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner","title":{"rendered":"Can I transfer a balance from someone else&#8217;s credit card?"},"content":{"rendered":"<p>If your partner is paying a high interest rate on their credit card debt, you might be able to help them save money, especially if you have a good credit score. <\/p><p>By transferring your partner\u2019s balance to a credit card offering a low interest rate or 0% deal for a set time, you could pay off your partner\u2019s debt faster without accruing unnecessary interest.<\/p><h3 id=\"learn\">Can I transfer my partner\u2019s credit card balance to mine?<\/h3><p>While some credit card providers in the UK will only let you make a balance transfer from another card in your name, others will allow you to transfer a balance from someone else\u2019s credit card. <\/p><p>However, before doing so, it\u2019s important to be aware of a few things:<\/p><ul class=\"has-margin-bottom\"><li>You\u2019re likely to be charged a balance transfer fee of around 1% to 4% of the amount transferred which will be added to the debt.<\/li><li>Ultimately, the balance would become your responsibility to repay.<\/li><li>You can\u2019t usually transfer a balance from a card belonging to the same bank or banking group. So if you both bank with HSBC, you won\u2019t be able to carry out the transfer. Since M&amp;S Bank and first direct are in the same group as HSBC, you wouldn\u2019t be able to transfer from those brands either. The other big banking groups in the UK are Lloyds Banking Group (which includes Lloyds Bank, Halifax, MBNA and Bank of Scotland) and NatWest Group (which contains NatWest, RBS, Coutts and Ulster Bank).<\/li><\/ul><p>This guide will help you figure out your options, discover which providers allow balance transfers from someone else, and the steps you\u2019ll need to take to transfer credit card debt from your partner.<\/p><h3>How do I transfer a balance to or from my partner\u2019s credit card?<\/h3><p>While terms and conditions, as well as the application process, can vary between credit card providers, the following steps can be used as a general guide when transferring someone else\u2019s debt to a balance transfer credit card in your name.<\/p><p>For more information, get in touch with the credit card issuer directly when you\u2019re applying.<\/p><ol><li><strong>Compare credit cards.<\/strong> Compare balance transfer credit cards to find one that has a lengthy 0% promotional period or competitive APR (annual percentage rate). Don\u2019t forget to also check how much the balance transfer fee comes to (start by looking at <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/credit-cards-with-no-balance-transfer-fee\">deals with no balance transfer fee<\/a>). If you\u2019ve chosen a card with a 0% deal, it\u2019s important to calculate how much you\u2019ll need to repay each month to clear the balance before the interest-free deal ends. You should also keep in mind that most issuers only allow you to transfer up to a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-limit\">percentage of your personal credit limit<\/a> (typically 90\u201395%).<\/li><li><strong>Check the balance transfer terms and conditions.<\/strong> Make sure the credit card allows balance transfers between different account names. If in doubt, call the issuer to double check, otherwise you could end up with a new credit card that won\u2019t allow you to make a transfer from another account.<\/li><li><strong>Check your eligibility.<\/strong> Pretty much every card issuer now provides a \u201csoft search\u201d facility, allowing you to find out if you\u2019d be approved before you apply and with no impact on your credit score. This is a smart option because when you do finally hit \u201cApply\u201d, your credit file will be \u201chard searched\u201d, which has a small (and usually short-lived) negative impact on your credit score. You only want to incur this small negative hit once in the whole process of choosing and applying for a card.<\/li><li><strong>Apply for the credit card.<\/strong> Provide details such as your full name, current address, previous addresses and employment details. Include information about the balance transfer. You will need to provide details of the account you\u2019re transferring from, including your partner\u2019s name and contact information, the card account numbers, their credit card provider\u2019s name and the amount of debt to be transferred.<\/li><li><strong>Submit the application.<\/strong> You should get an initial response within a few minutes. If you get a conditional approval, follow the steps outlined by the issuer to accept its offer and finalise the balance transfer.<\/li><\/ol><p>Once this process is successfully completed, you should receive your new credit card within 5\u201310 business days, although it could take longer in some cases. After you activate the new card, the issuer will process the balance transfer. Stay in touch with the new issuer and be ready to answer any questions or provide supporting documentation if needed to help the transfer run as smoothly as possible.<\/p><h3>Which credit card providers let you transfer a balance to or from a partner?<\/h3><p>We asked some big-hitters in the balance transfers market what their policy was on transferring debt from a partner\u2019s card. <\/p><p>Currently, Barclaycard, first direct, HSBC UK and NatWest allow customers to transfer a balance to or from a partner.<\/p><table class=\"luna-table cardissuers has-margin-bottom\"><thead class=\"luna-table__header\"><tr><th>Card issuer<\/th><th>Transfer from partner<\/th><th>More info<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/barclaycard_130_80.png\" width=\"100\" height=\"62\" alt=\"Barclaycard logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/barclaycard_130_80.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/barclaycard_130_80.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><td>Barclaycard says that customers can transfer a balance from someone else\u2019s card, but warns that this means the balance then becomes your responsibility. Barclaycard adds that unless told otherwise, transfers can\u2019t be accepted from other credit card or loan accounts held with Barclays Bank UK PLC, or any other Barclays Group Company.<\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/08\/firstdirect_table.png\" width=\"100\" height=\"62\" alt=\"first direct logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/08\/firstdirect_table.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/08\/firstdirect_table.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><td>Customers can transfer a balance from a partner\u2019s card but it cannot be from an HSBC Group card or some store cards.<\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/hsbcuk_130_80.png\" width=\"100\" height=\"62\" alt=\"HSBC logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/hsbcuk_130_80.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/hsbcuk_130_80.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><td>Customers can transfer a balance from a partner\u2019s card but it cannot be from an HSBC Group card or some store cards.<\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/01\/halifax2019_130_80.png\" width=\"100\" height=\"62\" alt=\"Halifax logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/01\/halifax2019_130_80.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/01\/halifax2019_130_80.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><td>A spokesperson at Halifax told us: \u201cWhen a customer contacts us looking to transfer a balance to a Halifax credit card, we advise them that they can only transfer a balance from an account in their own name.\u201d<\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/lloyds_130_80.png\" width=\"100\" height=\"62\" alt=\"Lloyds Bank logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/lloyds_130_80.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/lloyds_130_80.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><td>While previously Lloyds was willing to accept transfers from somebody else with the same address as you, a spokesperson at Lloyds Bank recently told us: \u201cWhen a customer contacts us looking to transfer a balance to a Lloyds Bank credit card, we advise them that they can only transfer a balance from an account in their own name.\u201d<\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/06\/mbna_130_80.png\" width=\"100\" height=\"62\" alt=\"MBNA logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/06\/mbna_130_80.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/06\/mbna_130_80.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><td>As MBNA is part of Lloyds Banking Group, customers are advised that they can only transfer a balance from an account in their own name.<\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/02\/natwest_130_80.png\" width=\"100\" height=\"62\" alt=\"NatWest logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/02\/natwest_130_80.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/02\/natwest_130_80.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><td>NatWest says that customers can make balance transfers from UK registered credit cards that are not part of the NatWest Group.<\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/tescobank_130_801.png\" width=\"100\" height=\"62\" alt=\"Tesco Bank logo\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/tescobank_130_801.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/tescobank_130_801.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/td><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><td>Tesco Bank says you can only make a transfer from a card in your own name, so you wouldn\u2019t be able to carry out a transfer from your partner\u2019s card.<\/td><\/tr><\/tbody><\/table><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\"><strong>Compare balance transfer cards<\/strong><\/a><\/p><h3>Can my partner and I get a joint credit card?<\/h3><p>You might think it\u2019s possible to get a joint credit card in order to consolidate debt with your partner. But unfortunately, that\u2019s not the case in the UK. What is occasionally thought of as a \u201cjoint\u201d credit card is actually a credit card in one person\u2019s name with additional cards issued for others to use, essentially multiple users tied to one account in the name of one person.<\/p><p>Providers are only likely to approve additional cardholders if they are a spouse, partner or relative, aged over 18 and living at the same address. However, these conditions can vary between providers.<\/p><p>Be aware though, if a credit card is in your name and your partner has an extra card, you\u2019ll have no control over their spending or if they exceed the credit limit. Plus, it will be your responsibility to make the monthly repayments and clear the outstanding debt.<\/p><h3>Do I have any other options to help my partner clear their debt?<\/h3><p>An alternative option to help your partner pay off their debt is to use a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/money-transfer-credit-cards\">credit card that allows you to transfer money into your bank account<\/a>. This is known as a money transfer credit card, and once the money has been moved into your bank account, you\u2019ll be free to do what you want with it. <\/p><p>For example, you could transfer the money into your partner\u2019s bank account, allowing them to pay off their credit card debt in full. You then repay the amount borrowed to your credit card provider, in the usual monthly instalments.<\/p><p>Money transfer cards often offer a 0% interest rate for an introductory period. However, as with balance transfer cards, you will usually have to pay a transfer fee \u2013 often around 3% to 4% of the transfer amount. And, once the 0% period ends, if you haven\u2019t cleared the debt, you\u2019ll start being charged interest at the card\u2019s standard rate. <\/p><p>If you would prefer not to take out a credit card, you could consider a <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/joint-application-personal-loans\">joint personal loan<\/a> instead. These can allow you to borrow more than a credit card and the sum borrowed can be repaid over 1 to 7 years. However, monthly payments are fixed, making personal loans less flexible than credit cards.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/money-transfer-credit-cards\"><strong>Compare money transfer cards<\/strong><\/a><\/p><h3>What should I watch out for?<\/h3><p>Whether it\u2019s your own debt or your partner\u2019s, balance transfer credit cards can be a handy way to save money on interest and pay down the balance faster. However, there are some risks involved. Being aware of the following mistakes will help you make an informed decision about balance transfers for you and your partner when you want to consolidate credit card debt.<\/p><ul class=\"list-3\"><li>Don\u2019t forget to communicate with your partner and agree on who will actually make the monthly repayments on the new balance transfer credit card. If your partner intends to make the monthly repayments, you\u2019ll need to determine whether or not they can afford to, as you\u2019ll be entirely responsible once the transfer has been made, not your partner. If your partner can\u2019t meet the repayments, you\u2019ll need to step in.<\/li><li>Don\u2019t accidentally apply for a card that doesn\u2019t allow balance transfers from someone else\u2019s account. Not all credit cards let you transfer another person\u2019s credit card debt to a new card in your name. Make sure you check these details before you apply to avoid a declined application.<\/li><li>Don\u2019t forget to check the balance transfer fees. These can vary from one card provider to the next. It\u2019s worth finding out if you\u2019ll still be saving even after paying the balance transfer fee.<\/li><li>Don\u2019t forget to check the promotional end date. The 0% balance transfer deal will only be available for a number of months. When this period ends, any outstanding debt from a balance transfer will usually attract a higher rate of interest until it\u2019s paid off in full. Will you still be able to make the monthly repayments with interest?<\/li><li>Don\u2019t forget to consider what will happen if you miss (or your partner misses) a monthly repayment. Will there be any penalties and will you still save in the long run?<\/li><\/ul><h3>How does transferring a balance from someone else\u2019s card affect my credit score?<\/h3><p>While it\u2019s an honourable act to help your partner out with their high-interest credit card debt, you\u2019ll need to remember that your credit score will be affected if, for some reason, a monthly payment isn\u2019t made. Regardless of the original debt belonging to someone else, you will bear the brunt if a payment is missed. <\/p><p>A missed or late payment will be noted on your credit record where it will stay for 6 years. Some lenders take late payments into account when calculating your credit score which means you could find it harder to get accepted for credit in the future. <\/p><p>However, if you repay the debt in full and on time, it should only affect your credit score in a positive way. That said, keep in mind that as you\u2019ll be increasing your overall debt, your borrowing power will be affected until you\u2019ve paid it off.<\/p><h4>Potential savings<\/h4><p>Exactly how much you\u2019ll potentially save with a balance transfer credit card will depend on the size of your debt, the length of the 0% balance transfer offer and your repayments, but you could save hundreds or thousands of pounds in interest while you clear the debt.<\/p><article class=\"luna-card luna-card--primary\">\n<div class=\"luna-card__block\">\n<h4 class=\"luna-card__title luna-card__title--small\">Example: Kate helps with her husband's debt<\/h4>\n<p>Kate wants to help her husband Nick with the \u00a35,000 debt he has on his credit card. He's struggling with a high rate of interest and can't get approved for a card with a better rate, having recently missed a repayment. As Kate has a good credit score, she has the opportunity to get a balance transfer credit card offering 0% on balance transfers for 20 months, with a \u00a33,000 credit limit. She's allowed to use up to 90% of her credit limit towards the balance transfer but will have to pay a 3% balance transfer fee. Kate transfers \u00a32,700 of Nick's debt to her new card and pays the \u00a381 for the balance transfer fee. The 20-month interest-free period allows the couple to get out of debt much faster and pay less overall.<\/p>\n<p><small><strong>* This is a fictional, but realistic, example.<\/strong><\/small><\/p>\n<\/div>\n<\/article>\n\n\n\n<h3>Bottom line<\/h3><p>While it can be hard to find information about transferring a balance from your partner to a new credit card, it is possible under some circumstances. Understanding your options and the different card providers\u2019 terms and conditions will mean you could find a balance transfer credit card that fits both your own and your partner\u2019s needs.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How much can I transfer with a balance transfer credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Your transfer limit is usually a percentage of your personal credit limit, say 90% to 95%. Your credit limit will partly depend on your credit score \u2013 the better your credit score, the higher your credit limit. Credit card providers will often stipulate minimum and maximum credit limits available, with the minimum being anywhere from around \u00a3200 and the maximum being several hundred or even a few thousand pounds. Check the specific details of a credit card carefully before you apply.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How long does the balance transfer process take?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This depends on the credit card you\u2019re applying for but it can take anywhere from 2 to 10 working days, or longer in some situations.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I transfer a balance if my partner's credit card debt is with the same bank?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends. In a minority of cases, banking groups do allow this. However, the majority don\u2019t. For instance, you can\u2019t transfer from NatWest to Royal Bank of Scotland (or vice versa).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What happens to my old credit card when I've completed the balance transfer?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Your old credit card will remain active even when your balance has been transferred. You can either continue using it or request that your old bank cancel the card. Don\u2019t forget, your old card may have an annual fee, so forgetting to cancel it could cost.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What's the maximum I can balance transfer?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Maximum balance transfer limits can vary slightly from card to card, but typically you can transfer up to 95% of your credit limit.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link {\n        color: rgb(2, 113, 225);\n        font-size: 11px;\n        text-decoration: underline;\n    }\n\n    @media (min-width: 600px) {\n        .survey-response .border-fix {\n            border-radius: 12px;\n            border: 1px solid var(--light-divider-normal, #E5E7EB);\n            background: var(--light-background-main, #FFF);\n            padding: 0px\n        }\n    }\n\n    .survey-response .chart-container {\n        min-height: 250px;\n        border-radius: 12px;\n        border: 1px solid var(--light-divider-normal, #E5E7EB);\n        background: var(--light-background-main, #FFF);\n        padding: 15px;\n    }\n\n    .google-visualization-tooltip {\n        pointer-events: none;\n    }\n\n    @media screen and (min-width: 960px) {\n        .survey-response.u-grid {\n            margin-left: auto;\n            display: flex;\n            justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Who is most likely to be researching balance transferring debt from a partner?<\/h4><p>Finder data suggests that men aged 25-34 are most likely to be researching this topic.<\/p><div id=\"scale-surveys-10024-5\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view-who-is-most-likely-to-be-researching-balance-transferring-debt-from-a-partner\" class=\"u-grid__col u-1\/2@s u-1\/1 aligncenter size-full chart-container\" style=\"max-width: 330px;\"><\/div><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\tvar packageToLoad = 'bar';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\t\t\t\t\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\t\t\t\t\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = 'bar';\n\t\t\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t[' ', 'Male (%)', 'Female (%)', ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['65+', 3.47, 2.52, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['55-64', 5.98, 4.35, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['45-54', 9.18, 6.53, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['35-44', 13.32, 10.94, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['25-34', 15.43, 11.83, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['18-24', 10.67, 5.78, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: { \n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8', '#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8']\n\t\t\t\t\t\t};\n\t\t\t\t\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.charts.Bar(document.getElementById('view-who-is-most-likely-to-be-researching-balance-transferring-debt-from-a-partner'));\n\t\t\t\t\t\t\/\/ Bar chart specific options can go here\n\t\t\t\t\t\toptions.bars = 'vertical';\n\t\t\t\t\t\toptions.hAxis = {\n\t\t\t\t\t\t\tviewWindowMode: 'maximize',\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t\ttitle: ''\n\t\t\t\t\t\t};\n\t\t\t\t\t\toptions.vAxis = {\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t};\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\t\t\t\t\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col u-1\/2@s  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th>Male (%)<\/th><th>Female (%)<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1a69e8;\"><\/span>65+<\/td><td>3.47%<\/td><td>2.52%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #3178ea;\"><\/span>55-64<\/td><td>5.98%<\/td><td>4.35%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #4887ed;\"><\/span>45-54<\/td><td>9.18%<\/td><td>6.53%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #5f96ef;\"><\/span>35-44<\/td><td>13.32%<\/td><td>10.94%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #76a5f1;\"><\/span>25-34<\/td><td>15.43%<\/td><td>11.83%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #8db4f4;\"><\/span>18-24<\/td><td>10.67%<\/td><td>5.78%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder sample of 1,471 visitors using demographics data from Google Analytics    \t\t<\/span><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn how you can transfer debt from your partner, which card issuers allow this and how to minimise the cost.<\/p>\n","protected":false},"author":1047,"featured_media":167557,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2280],"tags":[3838],"asset_tag":[],"class_list":["post-167497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-balance-transfer-credit-cards","tag-page_type-guide"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can you transfer a balance from someone else&#039;s credit card? | Finder UK<\/title>\n<meta name=\"description\" content=\"Discover the steps you can take to help your partner clear credit card debt and know the risks of transferring a balance from someone else.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can I transfer a balance from someone else&#039;s credit card?\" \/>\n<meta property=\"og:description\" content=\"Discover the steps you can take to help your partner clear credit card debt and know the risks of transferring a balance from someone else.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-31T17:08:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Rachel Wait\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/rachelwait?lang=en\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rachel Wait\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner\"},\"author\":{\"name\":\"Rachel Wait\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218\"},\"headline\":\"Can I transfer a balance from someone else&#8217;s credit card?\",\"datePublished\":\"2019-01-31T17:08:27+00:00\",\"dateModified\":\"2024-04-02T18:47:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner\"},\"wordCount\":2611,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png\",\"articleSection\":[\"Balance Transfer Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#respond\"]}],\"editor\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b81696117c9164b0b0a4d15865967cc6\"},\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner\",\"url\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner\",\"name\":\"Can you transfer a balance from someone else's credit card? | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png\",\"datePublished\":\"2019-01-31T17:08:27+00:00\",\"dateModified\":\"2024-04-02T18:47:23+00:00\",\"description\":\"Discover the steps you can take to help your partner clear credit card debt and know the risks of transferring a balance from someone else.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png\",\"width\":250,\"height\":250,\"caption\":\"Couple transferring card debt\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Cards\",\"item\":\"https:\/\/www.finder.com\/uk\/credit-cards\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Balance Transfer Credit Cards\",\"item\":\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Can I transfer a balance from someone else's credit card?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218\",\"name\":\"Rachel Wait\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\",\"caption\":\"Rachel Wait\"},\"description\":\"Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.\",\"sameAs\":[\"https:\/\/twitter.com\/rachelwait?lang=en\",\"https:\/\/www.linkedin.com\/in\/rachel-wait-00463013\/\",\"https:\/\/muckrack.com\/rachel-wait\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/rachelwait\",\"jobTitle\":\"Writer\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b81696117c9164b0b0a4d15865967cc6\",\"name\":\"Moira Daniels\",\"description\":\"Moira Daniels was a subeditor for Finder.\",\"jobTitle\":\"Subeditor\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/moira\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2024-04-02T18:47:23+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Can you transfer a balance from someone else's credit card? | Finder UK","description":"Discover the steps you can take to help your partner clear credit card debt and know the risks of transferring a balance from someone else.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner","og_locale":"en_GB","og_type":"article","og_title":"Can I transfer a balance from someone else's credit card?","og_description":"Discover the steps you can take to help your partner clear credit card debt and know the risks of transferring a balance from someone else.","og_url":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2019-01-31T17:08:27+00:00","og_image":[{"width":250,"height":250,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png","type":"image\/png"}],"author":"Rachel Wait","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/rachelwait?lang=en","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Rachel Wait","Est. reading time":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner"},"author":{"name":"Rachel Wait","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218"},"headline":"Can I transfer a balance from someone else&#8217;s credit card?","datePublished":"2019-01-31T17:08:27+00:00","dateModified":"2024-04-02T18:47:23+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner"},"wordCount":2611,"commentCount":0,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png","articleSection":["Balance Transfer Credit Cards"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#respond"]}],"editor":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b81696117c9164b0b0a4d15865967cc6"},"copyrightYear":"2019","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner","url":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner","name":"Can you transfer a balance from someone else's credit card? | Finder UK","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png","datePublished":"2019-01-31T17:08:27+00:00","dateModified":"2024-04-02T18:47:23+00:00","description":"Discover the steps you can take to help your partner clear credit card debt and know the risks of transferring a balance from someone else.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/bt_from_partner_250_250.png","width":250,"height":250,"caption":"Couple transferring card debt"},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/balance-transfer-debt-from-partner#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Credit Cards","item":"https:\/\/www.finder.com\/uk\/credit-cards"},{"@type":"ListItem","position":3,"name":"Balance Transfer Credit Cards","item":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards"},{"@type":"ListItem","position":4,"name":"Can I transfer a balance from someone else's credit card?"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218","name":"Rachel Wait","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png","caption":"Rachel Wait"},"description":"Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.","sameAs":["https:\/\/twitter.com\/rachelwait?lang=en","https:\/\/www.linkedin.com\/in\/rachel-wait-00463013\/","https:\/\/muckrack.com\/rachel-wait"],"url":"https:\/\/www.finder.com\/uk\/author\/rachelwait","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b81696117c9164b0b0a4d15865967cc6","name":"Moira Daniels","description":"Moira Daniels was a subeditor for Finder.","jobTitle":"Subeditor","url":"https:\/\/www.finder.com\/uk\/author\/moira","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2024-04-02T18:47:23+00:00"},"custom_fields":{"_content_type":["niche-content\/information\/niche-article"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\"}"],"_masthead_subheading":["{\"text\":\"See which credit card providers will allow you to take on your partner&#039;s debt or transfer your debt to your partner.\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/167497"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/1047"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=167497"}],"version-history":[{"count":12,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/167497\/revisions"}],"predecessor-version":[{"id":527165,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/167497\/revisions\/527165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/167557"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=167497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=167497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=167497"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=167497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}