Can Delta Community Credit Union help me consolidate my credit card bills?
If you are interested in lowering your interest rate and reducing your monthly payments, you can transfer your higher rate card balances to your Delta Community Visa. And, as an added benefit, for Balance Transfers of $500 or more, no Balance Transfer fee would apply.
For more details, see Balance Transfer.
How do I complete a balance transfer to my Delta Community Visa?
To complete a balance transfer of $500 or more, log into your Online Banking account and select Visa Balance Transfer located under the Loans tab. For questions or further assistance, you may contact us at 800-544-3328 or visit one of our branches.
To payoff balances that are under $500, complete a Cash Advance via Online Banking by selecting ‘Make a Transfer’ and move money from your Delta Community Visa to your checking and write a check to pay off the other bank. A cash advance fee will apply for this transaction. Unlike purchases, funds from a cash advance will accrue interest daily.
Will I get a rebate on my Balance Transfer?
Newly opened accounts qualify for a 1.5% rebate on their balance transfers submitted within 90 days of opening the Visa credit card account. The 1.5% rebate is a one-time payment (1.5% of the total transferred amount) and it will be credited to the primary savings account after the transferred balance has revolved for two consecutive billing cycles.
Am I required to submit a copy of the payment statement for the institution I want to pay off?
No. In order to complete the Visa Balance Transfer please have available, the Institution name and address, account number, amount to be transferred and account type.
Do I have to be registered for Online Banking to complete a Balance Transfer?
No. While you can transfer the funds and pay off balances yourself in Online Banking, we will be glad to process a balance transfer request to pay off your high-rate balances today. You’ll need to have your payee address and account information ready when you call. You may call us at 800-544-3328.
