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The festive season is a time of joy and celebration, but it's also when many of us find ourselves facing high credit card balances due to holiday spending. Tackling these debts at the start of the new year is essential for financial health, and a balance transfer to Valley Credit Union could be an ideal solution.

Why Consider a Balance Transfer?

• Lower Interest Rates: A balance transfer can significantly reduce the interest accruing on your holiday debt.
• Consolidation of Debt: Juggling multiple credit card payments can be overwhelming. Consolidating these into a single payment through a balance transfer can simplify your monthly budgeting.
• Introductory Low Interest Periods: During the first 6 months after a balance transfer, you can take advantage of Valley Credit Union's promotional rate. This can be a crucial period for reducing your principal debt without the burden of accruing interest.

If you would like to complete a balance transfer to your existing Valley Credit Union credit card, you can either log into your Valley Credit Union online credit card account by clicking here. Once logged in, click on Menu - Manage Card - Balance Transfer. Alternatively, you can call us at (877) 223-4006. Make sure you have the following payoff information ready:

• Credit Card Account Number
• Payoff Address
• Payoff Amount

Don't have a Valley Credit Union credit card yet? No worries! If you're approved for a new credit card, you can still take advantage of this offer. Click here to learn more about our credit card options and start your journey towards financial freedom.