Now it’s easier than ever
to consolidate those countless monthly credit card payments
into one, single monthly payment:
If you always pay your balance in full each month, you do not pay interest on your purchases. This is called a grace period. Please note that if you take this offer, you will lose your grace period. If you transfer a balance to this account, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on your purchases, you must pay both your transferred balance and your purchase balance in full.
Frequently Asked Questions
Q: If I take advantage of this offer, can I avoid interest on new purchases?
A: Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card
unless you pay your entire statement balance (including any transferred balances) in full by the statement due date.
Q: Is there a fee to take advantage of this promotional offer?
A: Yes. Please see the information about fees on the Interest and Fee Information Table.
Q: If I transfer a balance at the promotional rate, and I have other balances at my standard rate, how are my
A: Generally, we apply payments to balances with lower APRs before balances with higher APRs. However, any
amount you pay that is above your minimum payment due will be applied to your highest-rate balances first.
Q: Can balance transfers be used to make payments to existing accounts held by our institution?
A: No, balance transfers may not be used to make payments on other Accounts issued or held by us or any of
Q: What happens if I don't pay off the entire balance by the time the promotional offer expires?
A: If you don't pay off the entire balance by the time your promotional offer ends, your interest rate will be treated
the same as the standard APR on Purchases.
Q: How will using these balance transfer checks affect my available credit?
A: Each transaction you make using these balance transfer checks will reduce your available credit by the total amount
of each transaction, including any fee for each transaction. Please make sure the total of all your checks, fees,
interest and outstanding transactions do not exceed your credit limit.
Q. After I transfer a balance, do I need to continue to make payments to the other lender?
A: Yes, make payments to your other lender until you see the transfer show up on their statement. And if you want
to completely close your other account; you should contact the lender directly.