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Have you heard of Balance Transfers but are not entirely sure what they are? We sit down with one of CSE's card specialists in a recent CSE Couch Chat Episode to talk a little bit about what a Balance Transfer is, how a Balance Transfer can benefit you and what to look for when comparing Balance Transfer offers!.. OR continue reading about our promotion below: 


It’s that time of year where your happy holiday shopping, becomes post-holiday sobbing because you’ve just seen your credit card statement. If you find yourself less-than-thrilled about the dollar amount you’ve racked up on your credit card, turn that frown upside down because CSE’s Visa Balance Transfer is here to help. And, don't get duped by a 0.00% offer that has hidden the fine print!

What Is a Balance Transfer?

A balance transfer is when you transfer a balance from one credit card or many credit cards to another. Generally, when consumers perform balance transfers, the card to which they are transferring debt has a lower, promotional interest rate in order to save you money on your balance transfer.

Here is why it’s a good idea to take advantage of a balance transfer special:

  1. Save Money. You might be able to save money on interest charges when going from a high-interest rate card to a lower APR card.
  2. Simplify Things to 1 Card. Transferring multiple card balances to one card can help make payments simple.
  3. Pay Down Debt. With a lower interest rate, you’re likely to pay down your balance faster.

Finding the RIGHT Balance Transfer Offer

Why pay fees if you don’t have to? Always check the fine print for any fees associated with a balance transfer. It’s pretty easy to find 0% offers for balance transfers for anywhere from 12 to 24 months, but, you’re likely to pay a fee upfront of anywhere from 3-5% or more on the balance that you are transferring. Up-front fees like that are usually pretty expensive, depending on the balance that you’re transferring.

CSE’s Balance Transfer Special FREE. Meaning we have no balance transfer fee.


Completing a Balance Transfer

(Disclaimer: the following instructions apply to a CSE Visa, but are likely similar to what you would need to do for another card issuer.)

Completing a Balance Transfer is rather simple. If you already have a CSE Visa card, you can go to MyCardInfo by logging into eBranch or your mobile app and clicking on Access MyCardInfo. If you do not yet have a CSE Visa card, you can apply here


Once at MyCardInfo, click on “Balance Transfer” in the Account Services dropdown. You’ll need to provide a few details to perform the transfer:

  • Dollar amount you wish to transfer
  • Account number of the card you are transferring from
  • Card issuer name
  • Card issuer statement address (address that your payments would be mailed to)

If you prefer, you can contact CSE and we can process balance transfers with you, either in person or over the phone!


Stop overpaying and start saving today. Right now, CSE has a special Balance Transfer promotion going on through May 19th. Transfer your balances to a CSE Visa Credit Card and get 2.99% APR for 12 Months2 with NO Balance Transfer Fee and No Annual Fee on the card.

1. APR = Annual Percentage Rate. The 2.99% APR rate is a promotional rate. It is good only on balance transfers made from January 20th through May 19th, 2022 by new or existing cardholders. The promotional rate of 2.99% APR is applied for 12 consecutive billing cycles from the date of the balance transfer unless the account becomes delinquent and/or over the limit.  After the 12 billing cycles, the rate will revert back to the standard fixed rate for purchases and/or balance transfers between 8.25% APR and 18.00% APR depending on your creditworthiness at the time of account opening. This offer is a limited time offer and can be changed or discontinued without notice.  



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