Now it’s even easier than ever to consolidate monthly credit card payments into one, single monthly payment by calling 1-800-684-2222.
- Transfer those multiple bills from credit cards and department stores – you’ll save money with a lower interest rate and save time with only one monthly check to write.
- Consolidate credit card debt onto one card and save money on interest charges – so you can pay off your bills faster.
- 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 balance (including any transferred balances) in full by the statement due date.
SPECIAL NOTICE to customers who pay their entire balance in full each month.
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.
Balance transfers
Once you take advantage of a 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.
Yes. Please see the important information about rates and fees found with each card's description.
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.
No, balance transfers may not be used to make payments on other Accounts issued or held by us or any of our affiliates.
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.
Each transaction you make using 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.
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.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
All accounts are subject to individual credit approval.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Credit cards are issued by Citizens Bank, N.A.
Certain conditions, restrictions and exclusions apply. Full terms and conditions will be sent when you become a cardmember.
You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank N.A. does not provide tax advice.
