If your primary credit card is from a financial institution other than SMCU and you carry a balance, there’s a good chance you’re overpaying. Now is a great time to switch.
Fill out our online credit card application. Once approved, we’ll quickly walk you through the debt consolidation process.
To start a debt consolidation, all you need to do is dial the Cardholder Service phone number at 855-609-3580.
As a financial co-op, SMCU returns profits to our members in the form of lower interest rates and fewer fees. This means that consolidating your balances to an SMCU VISA credit card could lower your interest, saving you hundreds of dollars a year. Whether your credit is spotless or has a few blemishes, SMCU offers rates that are lower than most other credit-card providers.
7.49% - 18.49%
SMCU is a Verified by VISA card issuer. When you use your SMCU VISA Card or SMCU Debit Card to make online purchases, Verified by VISA will provide added safety to make your online shopping secure.
Through our secure authentication process, your identity is protected and confirmed, with your personal password, each time you purchase at a participating merchant site.
DETAILS AND DISCLOSURES
TRANSFERRING BALANCES: Seattle Metropolitan Credit Union does not charge a balance transfer fee. Please allow 30 days to process your balance transfer. Continue to make your payment on these accounts until the payment for the transferred amount appears on your other issuer's statement. Seattle Metropolitan Credit Union is not responsible for late payments on your other issuer's account. We are not able to close your other accounts even if you transfer the entire balance. If you want to close the account, you will need to contact the issuer directly. Balances can be transferred up to your established limit. RIGHT TO DECLINE: Under certain circumstances (as described in the Cardholder Agreement), we may decline to process your transaction, in which case you will be notified.
1 No points are earned for cash advances or balance consolidation. Equity Platinum and Saving Secured Visa® cards are not eligible for the CURewards™ program.
2 APR is Annual Percentage Rate. APR reflects any prepaid finance charges and is subject to change without notice. Rates/financing are offered based on applicant's credit qualifications and other underwriting criteria.
CARDHOLDER AGREEMENT: For further details about terms and conditions on your account, please refer to your Cardholder Agreement.