Balance Transfer from another card holder

[dw1212]

First post, be kind

My wife and I have two interest free balance transfers that have been going for a while - 2+ years. I could pay them off but enjoy not having to with 0% balance transfers introductory offers.

My questions is. Can I balance transfer from my wife's account to mine, so when the time comes we only need to apply for 1 new card and not 2 to keep it going?

Thanks

 

[burmans]

Well the Terms and Conditions of most transfers suggest you can only transfer to your own account. In reality banks don't actually usually know the account owner that relates to a credit card number at another bank so it may well work, you can only try!

 

[dw1212]

Thanks! that is what I'm thinking. Would love to know if anyone has had any luck with this?

 

[coolsteps]

i did a b/t to my wifes cb account . i was a supplementary card holder so i just put down my card number and my name. it worked. got wife to call up cb and asked for the funds in credit to be transfered to a cb savings account

 

[JohnK]

I do not believe they check the name matches when doing a balance transfer.

 

[Saji]

This news is fantastic...thanks for starting the thread dw122 and thanks to others for your answers.

 

[MarcB]

Citibank also offers a "Cheque to Self" option on their Ready Credit and Personal Credit products. Basically, you call them and they send you a cheque made out to you at the balance transfer interest rate. You can then bank this and pay off whatever you like. I took advantage of this a few years back to consolidate 2 personal loans at 12%+ to 5.9% for life of balance transferred. I can handle CitiBank's sometime woeful customer service for those sorts of savings.