Get the best deal Cancel or suspend use of the old card (cancelling the card may harm your credit score). Don’t get into future debt Also, bouncing debt around with too many transfers can negatively impact your credit score, since part of your score is determined by length of credit history and opening new accounts. It's easy to transfer higher-rate balances to a Multipli Mastercard®. An individual’s promotional and standard rate are based on their eligibility and creditworthiness. Transfer Higher Rate Balances to Your MSCU Visa ® and Save!. Multipli CU does not represent either the third party or the member if the two enter into a transaction. No one wants to lose good business, so they may do what they can to keep you. One late payment during the “teaser rate” period could cancel the special interest rate and make it increase dramatically. A balance transfer is when you pay off existing credit cards by transferring the balance to another credit card. Request an interest rate similar to the offer you are considering. Not everyone who gets an offer qualifies for the super low rate. Read our Q&As to learn more about the process and determine your next steps. © 2020 Multipli Credit Union - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. As with all contracts, make sure you are completely aware of the terms before you sign on the dotted line. This can benefit you if the new card has a lower rate, which can potentially save you hundreds, even thousands, of dollars in interest. Can you save money by taking advantage of low interest balance transfer offers? Then balance transfers may not be your best option, however low the introductory rate. 9.5% fixed APR on balance transfers and purchases. However, we have no control over these external sites – if you find anything we should be aware of as a result of following this link, please let us know. You’re closer to home ownership than you might think. Complete the form below, to request your balance transfer(s). Additional Guardian Credit Card features: No Annual Fees Low Fixed Rates Generous Credit Limits Online Account Management 25 - day grace period for new purchases And since you will likely be charged a high interest rate for purchases you make with the new card, avoid racking up more debt on it as well. For general, informational purposes only. If you have any questions or concerns, please give us a call at 206.398.5500 or 800.334.2489.. 1 Complete the form below, to request your balance transfer(s). We will not close your other accounts even if you transfer the entire balance. Top Financial Tips for College Students (and Parents), Three Reasons to Open a Traditional or Roth IRA, Five Easy Ways to Manage Money While You Travel, start your balance transfer in Web Branch, Consolidating Credit Card Debt with a Balance Transfer. Balance Transfer Fee → $0 : Purchase & Balance Transfers → as low as 13.25% : Credit Limit → $10,000 minimum : Introductory Rate → 0% for 12 months ¹ : Automatic Account Alerts → Yes : Cash Back → 1.5% of all purchases : Additional Benefits → [See benefits] By taking advantage of a 0% APR offer on a credit card, you can save money by having all of … After all, the less interest you are charged, the more of your payment is going toward the principal, allowing you to repay the debt efficiently. Many offers sound too good to be true—and in some cases they are. Explain that you have been a responsible customer and would like to continue doing business with them. There are costs associated with the use of the card. You should continue to make all required payments until you confirm that your balance transfer was made. Mastercard Platinum. You may not transfer an existing balance on any account issued by California Coast and the credit union reserves the right to refuse any balance transfer request. All Rights Reserved.Routing Number: 325081500 | NMLS #464295. In the form of volunteer hours, sponsorships, and educational workshops we continue to put in the work for a brighter tomorrow alongside amazing partners like El Centro de la Raza, Entre Hermano, Wellspring Family Services, and YouthCare. Look for balance transfer offers with: Understand the terms Negotiate with your current creditor  Or you can download the PDF form (link below), fill it out and bring it to any branch location: Visa Credit Balance Transfer Form with 1% REBATE 1. Absolutely. $0 Woman with question mark over her head. Balance Transfer Form 2 of 2 Revised: 7/2020 Transferring Balances: Sound Credit Union does not charge a balance transfer fee. Look for a card without balance transfer fees. Auto, Boat, RV, Motorcycle & Other Recreational Vehicle Rates, Visa Credit Balance Transfer Form with 1% REBATE, Download the Qualstar Mobile App for Android, *Annual Percentage Rate / Annual Percentage Yield. Mon - Fri: 8am - 6pm 206.398.5500 Privacy and security policies may differ from those practiced by Multipli. Apply with little to no money down with our innovative home loan programs. Text, At Navy Federal Credit Union, you'll never pay more than 18 percent, our top rate. Transfer your existing credit card or other loan balances to your Visa Gold or +Rewards credit card and get a 1% REBATE on the transfer amount – it’s a great way to start getting a better deal on your balances!1. If you have an excellent payment history with your current credit issuer, but aren’t satisfied with the interest rate you are being charged, call the company’s customer service number and speak with a manager or supervisor. When you aren’t sure what to get someone, a Visa Gift Card can be the right answer. Alternatively, this could also be done over the phone or online which could take a lot less time. Offers that only waive fees for “initial balance transfers.” Other transfers are treated as cash advances and subject to cash advance fees and immediate interest. 206.398.5500 Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Sat: 10am - 2pm, © 2020 Seattle Credit Union. We can help. Click here for an example balance transfer and the rates a member would pay during and after a balance transfer promotion. If you already have a UW Credit Union credit card, you can start your balance transfer in Web Branch. Are you considering transferring your credit card debt to a “teaser rate” card (where a very low interest rate is charged on balance transfers for a specific amount of time)? Why change if you don’t have to? Find a banking partner that will work as hard as you do. Balance transfers can definitely work to your financial advantage, and great deals do exist. You are now leaving Qualstar Credit Union’s website. It may take up to three (3) weeks to post the balance transfer transaction. Maintaining a relationship with the creditor you already have has its advantages: you don’t have to start again with a new company, nor monitor the date the deal ends. We only link to sites that we feel are valuable to our members and their account relationship with us. Understand how a credit card balance transfer works to help decide if it’s the right choice for your needs. A balance transfer is when you pay off existing credit cards by transferring the balance to another credit card. 9.5% fixed APR on balance transfers and purchases. Apply with little to no money down with our innovative home loan programs. Proceed Save on your spending with a 0% APR Balance Transfer to Guardian Credit Union. Refer a friend to Seattle Credit Union, and you both get $25*. No monthly service charge, no minimum balance requirement, and no mandatory monthly transactions. Equal Housing Lender. Regular monthly payments are still required. If you keep the old credit card open and use it to accumulate more debt, the benefit of the reduced interest rate is watered down by a higher overall balance. If you use a credit card, keep these tips in mind to make the most of your spending and improve your credit. Text, Ask yourself, what's the rate once the promo ends? How long you must keep the account before being able to transfer again. Transferring balances makes the most sense when you are not going to acquire more debt and will concentrate on repaying what you owe. 13.9% fixed APR on balance transfers and purchases. Copyright © 2020 UW Credit Union. Please allow 10-14 days for the requested balance transfer to … In order to get the most out of these transactions, you are going to have to be on top of due dates, pay on time, and know when the deal expires. The savings from a balance transfer can free up some extra money in your monthly budget. All rights reserved. Be aware of: Avoid costly delays The interest rate you’ll be charged for new purchases, which is often much higher than the balance transfer rate. No balance transfer fee. If you are using a screen reader and are having problems using this website, please call. 1 1% rebate is for balance transfers, and does not apply to purchases or cash advances; maximum total rebate amount is $150.00 per year; rebate will be applied to the Visa loan balance; offer does not apply to Equity Visas; transfers cannot be made to individuals. Do you tend to forget about paying bills and are charged late fees because of it? Enable Javascript in your browser for a better experience. You’re closer to home ownership than you might think. Continue to make the minimum payment on the old card while waiting for the balance transfer to take effect, which may take anywhere from two to four weeks if done by mail. Transfer your credit card balances to the Multipli Credit Union Mastercard to pay down your balances from higher-interest cards. Save money with no balance transfer fee and a special rate of just 0.99% apr* on balance transfers made between August 1, 2019 and your December 2019 statement cycle date (either the 10th or the 25th depending on your account). Please allow 2–3 weeks to process your balance transfer. © 2016 Qualstar Credit Union. Federally insured by NCUA to at least $250,000. National Credit Union Administration, a U.S. Government Agency. Look for balance transfer offers with: The lowest introductory interest rate for the longest amount of time; A low post-introductory interest rate; No or low annual fee; No or low balance-transfer fees (which can be up to five percent, equaling $250 on a $5,000 balance) Understand the terms A balance transfer card can be a powerful tool in your debt-busting arsenal. By submitting below, I designate that I have read the terms and conditions of the Multipli Mastercard credit card program. Balance Transfer payments are sent as paper checks to all creditors. Continue to make your payment on these accounts until the payment for the transferred amount appears on your other issuer’s statement. All Rights Reserved.Routing Number: 325081500 | NMLS #464295, The lowest introductory interest rate for the longest amount of time, No or low balance-transfer fees (which can be up to five percent, equaling $250 on a $5,000 balance). Conquer your debt with a balance transfer. Online and mobile account access. Just beware the potential downsides, know what you are getting into, and use them wisely. Multipli CU is not responsible for the content of the site. Transfer My Balance . Get started today. Calendar with 6 months, 12 months, 15 months. For EXISTING Business online banking accounts – you will be contacted by a Seattle Credit Union Business Banking Specialist to help facilitate the transition to the new Online Banking system.

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