Switch to ECU Visa^®

Have you carried a balance on your credit card for too long? 
Carrying a balance on your credit card for over five years is not uncommon, but this growing debt can affect more than just your emergency funds. Late payments or using too much of your available credit could impact your credit score and lead to higher interest rates on future loans.

So, how do you get out of credit card debt faster?

Make a Budget

Track your spending to understand where your money is going and find areas to cut back on to better avoid or reduce debt. Creating a budget will help identify frequent expenses.

Create a Payoff Plan

Determine how much you can afford to pay towards your outstanding debt each month. Whether you choose to pay off the credit card with the lowest balance or decide to tackle the card with the highest interest rate first, it’s important to create a plan to pay off your debt and stick to it.

Switch to ECU Visa ^®. 

Moving all your credit card balances to one low-interest-rate credit card is a smart way to pay off your debt faster. ECU's Platinum Preferred Visa offers a low fixed 9.90% APR*, plus you can earn points on every purchase made with your card! Join the thousands that have switched to ECU Visa and spend more time doing the things you enjoy and less time worrying about debt.

ECU Balance Transfer

_{*APR information is accurate as of November 1, 2023, and is subject to change without notice. For more information, see the Visa Cardholder Agreement.}