TRANSFER BALANCES & MAKE YOUR DEBT CHANGE ITS TUNE
(Existing Credit Cardholders Only)
To start your fast and easy balance transfer request, click “Transfer Now” to be directed to your online banking portal. For detailed instructions please check the step-by-step instruction below.
Step-by-Step Instructions
| Interest and Fee Information | |
|---|---|
| APR for Balance Transfers | Your APR will be your Variable Standard APR on your BrightStar Credit Card. This APR will vary with the market based on the Prime Rate*. |
| Balance Transfer Fee | None |
| Paying Interest | We will begin charging interest on balance transfers on the transaction date. |
*The Prime Rate used to determine your APR is the highest rate published in the Wall Street Journal as selected by the Credit Union in the calendar month preceding the month in which the APR changes. Transfers and balance payoffs will not result in closure of your other credit cards/loans. You must notify the financial institution directly to request account closure. Transfers will NOT be initiated in excess of your credit limit. Any balance remaining with another financial institution after the balance transfer check is issued will be your responsibility. It is your responsibility to make minimum payments on your other credit cards/loans until the balance(s) have been transferred. All overpayments must be refunded by the other institution.
PRESCREEN AND OPT-OUT NOTICE
This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit in connection with any credit transaction that is not initiated by you, call the consumer reporting agencies toll-free 1-888-5-OPT-OUT or 1-888-567-8688 or by writing these agencies: Equifax Options P.O. Box 740123, Atlanta, Ga. 30374-1023 and Experian Information Solutions, Inc. P.O. Box 919, Allen, TX 75013; and Trans Union Name Opt-Out Request, P.O. Box 505, Woodlyn, PA 19094-0505.
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