A happier balance
When making repayments Integrated Credit Union applies your payment to the expenses that might otherwise have attracted interest first; cash advances and purchases before balance transfers.
Any extra payments on top of your interest and transactions will help to melt away that balance transfer, so when the fixed 0% p.a. special offer ends in 12 months you could have less or no balance remaining. Any remaining balance will attract the standard purchase interest rate.
By allocating payments this way you’ll get the full benefit of the 0% p.a. fixed interest rate on the balance transferred for 12 months and it allows you to continue using your Integrated Credit Union credit card for your everyday needs, the standard purchase interest rate and cash advance rate will apply.
Lending criteria, fees and credit card balance transfer terms apply.
