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With a balance transfer, you will be charged interest on purchases unless you choose to pay your entire balance in full, including any transferred balances, by the first payment due date.
If you usually pay for purchases in full each month to avoid interest, transferring a balance will change that. You will be charged interest on purchases unless you choose to pay your entire balance in full, including any transferred balances, by the first payment due date.
We may decline any transfer or process any transfer for less than the amount requested if your account is not in good standing or has insufficient credit available at the time transfers are presented for payment. See Additional Information below for more details.
A. No, you may not use a Balance Transfer to pay any Members 1st accounts.
A. Each billing period, we will apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs* before balances with lower APRs* as of the date we credit your payment. The minimum payment requirement can cause promotional balances to be paid in full before the end of the promotional period. See your Cardmember Agreement for details.
A. We will reduce the amount of a balance transfer request if you don't have enough credit. However, monthly interest charges, balance transfer or cash fees, or unaccounted for transactions may cause you to exceed your credit line.
A. The prevailing APR will be applied to any outstanding balances. You will not be charged deferred interest.
A. Balance Transfers do not earn any rewards.
A. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card, unless you pay the entire balance (including any transferred balances) in full each month by the payment due date.
A. Your account must be in good standing and have sufficient available credit to take advantage of balance transfer offers. If you close your account or it is closed by Members 1st due to default under the Cardmember Agreement or for any other reason during the promotional period, you may not be able to take advantage of this offer by phone or online, and we may decline to authorize a balance transfer check when presented for payment. If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act.
Report your card lost or stolen by calling us at (530) 222-6060.
Report fraud on your account by calling us at (530) 222-6060.