Carrying a Credit Card Balance?
We can help you pay off debt faster and save on interest.
Why transfer your credit card balance to HCP?
It’s stress-free!
Stop juggling multiple due dates, interest rates and cards!
You’ll pay less!
Our credit card charges a lower rate than most credit cards.
It’s Free!
We never charge a balance transfer fee or annual fee!
Think it through!
PROS of a balance transfer:
Pay your balance faster: Having a lower interest rate means more of your payment pays the balance.
Improve your credit score: By reducing your credit utilization ratio, you can potentially improve your credit score.
Breathe easier with one bill: Having one bill instead of multiple can reduce stress and assist you in budgeting.
CONS of a balance transfer:
Thinking it removes your debt: Balance transfer does NOT eliminate your debt.
Temptation to spend more: It can be tempting to spend more with a seemingly clean slate.
Potential for debt shuffling: Without a clear plan, you may end up in a cycle of debt.
APR = Annual Percentage Rate. *The promotional APR is valid for balance transfers made to your HCP Credit Union credit card by January 1, 2025. The promotional rate is applicable for 12 billing cycles from the date of the first balance transfer. After the promotional period ends, a standard fixed rate of 12.99% APR - 17.99% APR will apply to any remaining balance based on your creditworthiness. No balance transfer fees apply for this offer. Existing balances on your HCP credit card accounts are not eligible for the Introductory APR. Balance transfers are not eligible for cash back rewards. This offer is available to qualifying members and may be discontinued at any time. Other terms and conditions may apply.
HCP Credit Union is Federally Insured by NCUA. Equal Housing Lender.