Balance transfer as authorized user

Anonymous · ‎11-07-2019

DW is going to open a balance transfer card in hopes of transferring mine and her balances to the one card, I have about 4500 across 5 cards that I am paying interest on, is it possible, if I’m the authorized user, to transfer balances from my cards to the balance transfer card?

Anonymous · ‎11-07-2019

Typically only the main account holder can do a BT to a credit card. I am sure there are exceptions though.

K-in-Boston · ‎11-07-2019

@Anonymous wrote:
Typically only the main account holder can do a BT to a credit card. I am sure there are exceptions though.

To clarify this, typically only the main account holder can initiate a BT to a card. Generally speaking, you can BT the balance from anyone's card to your own. The only exception I can currently think of is NFCU, which requires that it is either your own card or that you are an authorized user. I do not know of any exceptions where you cannot BT the balance from a card that you are an authorized user on.

Anonymous · ‎11-07-2019

@K-in-Boston wrote:
@Anonymous wrote:
Typically only the main account holder can do a BT to a credit card. I am sure there are exceptions though.
To clarify this, typically only the main account holder can initiate a BT to a card. Generally speaking, you can BT the balance from anyone's card to your own. The only exception I can currently think of is NFCU, which requires that it is either your own card or that you are an authorized user. I do not know of any exceptions where you cannot BT the balance from a card that you are an authorized user on.

Yeah that's what I meant was that a BT to the card can only be initiated by the actual card member. Should have made that more clear.