I will shortly have £1250 CC vouchers to convert to BA miles. As this is above the £999 limit for converting in one transaction, I intend to convert some to my BAEC account and some to Mrs V's account.

Current position is that I have a BAEC account, Mrs V does not. We both have Tesco CC accounts and have never converted to BA miles before. We will want a HHA to make the best use of the miles. The options seem to be

a) Open a BAEC account for Mrs V. Convert CC vouchers to this account and to my existing BAEC account, then form a HHA.
b) Form a HHA account now, thereby opening a BAEC account for Mrs V. Convert CC vouchers to the separate BAEC accounts and have instant access to the pooled miles.

Is there any advantage in a) over b)? We will be due a total of 300,000 bonus miles between the 2 accounts and I do not want to jeopardise this in any way. I just want someone to tell me to get on with setting up a HHA now and that I have nothing to be concerned about!