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Consolidate – Your Credit Card Debt Solution

Having numerous credit cards is considered the norm these days. In fact, it’s so common that some people have found themselves in significant credit card debt. With bills piling up and interest and finance charges that are sometimes more than your payments each month, it may look like you will never get out of debt.

Although one solution to avoid credit card debt is to pay off your balances each month, this is not possible for many of us. So, what else can you do? Consolidating all your credit cards into one reliable card is a good way to get your debt under control.

Don’t let other card offers fool you. When comparing our cards to others, VyStar rates remain consistently low. There are no fees on many of our card services and no fine-print surprises. Plus, you’ll get the added benefit of working with your credit union representatives who put you and your financial well-being first. By bringing all your accounts to VyStar, you’ll enjoy simplified money management at a savings. We’re not for profit.

• No Annual Fee
• No Balance Transfer Fee
• No Minimum Finance Charge
• No Transaction Fee
• No Rate Increase Penalties
• No Cash Advance Fee
• Free Electronic Payment Service
• Free Security Monitoring
• Free Travel Accident Insurance
• Worldwide Acceptance

How long will it take me to pay off my credit card balance if I make only the minimum payment?

Although a low minimum monthly payment comes in handy when managing your finances, juggling several cards with higher interest rates can cost you more than you think. You may want to face the facts and see how long it really could take to pay off your credit card debt. We hope this will also help you determine the value of consolidating your debt onto one reliable card or adjusting the amount you pay each month. Use one of the calculators we provide on our website.

Card Repayment Calculator

If you have a VyStar credit card and would like to move higher interest balances to your card, we can help you with the process. It could be you already have enough credit available on your card to use for this purpose. Contact our Call Center at (904) 777-6000, option 9 or 1-800-445-6289, option 9 or stop by any VyStar branch.

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