Jan 1, 2023 - Mar 31, 2023
If you transfer a balance to a lower rate credit card, you can pay it off faster*
Between Jan 3 and Mar 31 you can consolidate credit card debt to a Pacific Crest credit card with:
- 0% promo/intro APR balance transfers through your September 2023 billing cycle, then 7.99% – 17.99% after that**
- No balance transfer fee (we never charge one)
Disclosures
See Important Credit Card Disclosures for details of Rates, Fees, and Other Cost Information
* The time it takes to pay off credit card debt will depend on factors such as your current rate, balance, new charges, and your new rate.
** APR = Annual Percentage Rate.
Terms and Conditions for Credit Cards opened prior to January 3, 2023:
0% Promotional APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The promotional APR will continue to apply to any remaining promotional balance through the billing cycle that ends in September 2023. The promotional APR cannot be applied to existing balances. Balance transfers can not be made between Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason. The promotional offer does not affect any other terms of your original credit agreement which will remain in full force and effect. Foreign Transaction Fees: 1.00% of each foreign currency transaction in U.S. Dollars. 1.00% of each U.S. Dollar transaction that occurs in a foreign country.
Terms and Conditions for Credit Cards opened on or after January 3, 2023:
All loans on approved credit. The minimum loan amount is $500. 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance through the billing cycle that ends in September 2023. The introductory APR cannot be applied to existing balances. Balance transfers can not be made between Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason.