if I have a balance on an exisitng credit card and want to transfer to a 0% but am unable to as I dont earn enough to qualify for a new card, would it be possible to do a joint credit application with husband whos income is higher then transfer the balance?

My first reaction is to say "Yes". Look at the form you need to fill out and see if there are spots for other people's information, inviting you to have a joint account.

And do read all the fine print. Some of those cards give you a 0% annual rate, but only for three months or so before it jumps up to 20%, and might charge that apr on any purchases you make using that card..

some of those offers for 0 % on transferred balances are a ripoff just to get you to sign up and then after a short amount of time it gets jacked up to a much higher % rate so be careful they are not all they are cracked up to be. remember buyer beware.

some of those offers for 0 % on transferred balances are a ripoff just to get you to sign up and then after a short amount of time it gets jacked up to a much higher % rate so be careful they are not all they are cracked up to be. remember buyer beware.