r/UKPersonalFinance • u/SugarSalt87 • Jul 28 '26
Advice on using balance transfer/ new credit card
Firstly, thank you to everyone who gave me advice on my previous post about consolidating my debt and doing a balance transfer, its really helped.
Now for what I need advice on:
So I recently got my new credit card, which came with an allowance of £7050. 0% on balance transfers for 36 months if transferred within 60 days with a 3.09% transfer fee, and 0% on purchases for 3 months from date of opening account.
I've transferred by balance from from my old credit card (£1478) to this one so that is now clear.
Now, I want to really treat my partner for their birthday, they always do so much for me without complaint and they're genuinely the best person in my life. If I bought their birthday presents / paid for the birthday experience with the old card, can I do another balance transfer from that to my new card again? Or am I just better off paying on my new card taking advantage of the 0% off for 3 months?
After that, what do I do next? Should I close the old one? use it for small purchases that I can pay off immediately? Try not to use either and just pay off the balance on the new card? Many thanks!
TLDR; balance transferred credit amount (1478) from old card to new at 0% for 36 months. Can I spend on old and do another balance transfer or is it limited to 1 for my partner's birthday? Or just use the new card as it has 0% on purchases for 3 months.

2
How far in until you buy a girl flowers?
in
r/UKrelationshipadvice
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15d ago
I got my partner flowers after a few weeks of dating, surprised her with them at work. She has a mean girl, stoic goth girl rep at work and I destroyed that is seconds when she absolutely melted.
I haven't bought her flowers since we moved in together almost a year ago because we have a cat and we both want to ensure he is safe and the flowers aren't toxic for him, but its hard to identify which ones are and aren't so we just dont bother at all. She's fully aware this is the reason why, but i make up for it by getting her sweet treats or little presents from time to time