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Can I pay someone’s credit card bill for them?

Can I pay someone’s credit card bill for them?
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When you are struggling with credit card debt, it can feel like there is no way out. But sometimes there are options available that you may not have thought of before. One option could be a family member or friend paying your credit card bill for you. Or have you ever wondered if you can pay someone’s credit card for them? We’re here to clear up what you can and can’t do when it comes to paying someone’s credit card bill.

And if you are looking for more ways to get out of credit card debt, take a look at our article that explores 5 ways to pay off your credit card debt once and for all.

Can I pay someone else’s bill?

Do you have a friend or a family member that is struggling with debt? According to The Money Charity, the average time to pay off credit card debt by making only the minimum payment per month is 26 years and 8 months. For some, outstanding balances on credit cards can quickly spiral. And compound interest means that they never get their heads above water.

It may be that you are in a secure financial position and want to lend a helping hand to someone in need. But as it is their debt, are you able to help out?

The answer is yes, you can pay someone else’s credit card bill.

How do I pay someone’s credit card?

If you use online banking, all you need to do is set up the credit card company as a payee. Then you can choose to make a one-off payment or regular monthly payments (direct debits). To set up the card provider as a payee, you will need the sort code and account number of the card. This can typically be found on the credit card statement.

Alternatively, when you type in the name of the card provider into your online banking, you are shown a list of card prefixes. If this is the case, all you will need to do is select the first four digits of the credit card from that list. The account number and sort code will automatically be selected.

The most important thing to remember, though, is to use the 16-digit credit card number as the reference.

If you are not a fan of online banking and prefer the face-to-face approach, you can also make payments in branch. Just make sure you have the card details mentioned above.

Can I transfer a balance from someone else’s credit card?

It may be that you have a good/excellent credit score and can access some good balance transfer deals. Or perhaps you have less outstanding credit card debt and want to transfer the balance to your card. But is this doable?

Technically, this is possible, but not all providers allow you to transfer another person’s balance to a credit card in your name. And it is likely that even the providers that do allow this will have some restrictions in place. For example, the person whose balance you’re transferring may need to be your partner, a family member or a close friend. Also, only you can request the transfer, not the person whose balance needs to be transferred.

If this is something you are thinking of, then be aware it is risky to take on someone else’s credit card debt. You should only do it if you trust that they will make the repayments. Otherwise, you’ll need to be happy to pay off the debt if they don’t.

This is because once the transfer has been made, the debt will be in your name. This means that you are legally responsible for paying it.

If you do end up transferring someone else’s balance to your card, but they are still making the payments, then try to keep a written record of payments. This is just in case problems arise later on.

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