Congratulations! You qualify for our credit card special!




    Please enter the following: Birth Year + Last 4 Social Security Number

    Example: Birth Year = 1960 and Last 4 SSN = 1234, enter 19601234

    Click here to expand FAQs
    Not sure yet? Click here for a few FAQs

    How long does it take to accept the new promotional rate?
    Approximately 2-5 minutes. Simply use the "Continue" button on the next screen, e-sign the Balance Transfer forms, and you’re done.

    Will my credit cards I pay off automatically close?
    No. You will need to individually contact the credit card companies to close your credit line.

    Do I need a credit review?
    No, a credit review is not required.

    Do I need to provide income documents?
    No, income documentation is not required to accept your promotional rate.

    Will I pay any transfer fees?
    No, you won’t pay any transfer fees to use your new promotional rate.

    Can I transfer the balances from personal loans?
    Absolutely! We want you to take advantage of your low transfer rate for any credit card or loan debt.

    Is there a time limit for completing the process?
    This offer is available for a limited time – normally one week.

    Who do I call if I have more questions?
    Our Credit Card Care Specialists are available at 800.555.1212.

    *APR = Annual Percentage Rate. Variable APR. Rate Adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers. Your actual APR will be determined at the time of approval and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. This is not a firm offer of credit. These are summary descriptions only. Additional terms, conditions and exclusions apply. Please refer to your card's Guide to Benefits for specific information. Payback Rewards World MasterCard Credit Card: Cashback accumulates as points valued at 2 points for every $1 purchased. Points can be converted to cash at any time at a value of $.01 per point. Cashback points redemption available for statement credit back to your ACU credit card account.


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