Carrying a Credit Card Balance?
We can help you pay off debt faster and save on interest.
Why transfer your credit card balance to HCP?
It’s stress-free!
Stop juggling multiple due dates, interest rates and cards!
You’ll pay less!
Our credit card charges a lower rate than most credit cards.
It’s Free!
We never charge a balance transfer fee or annual fee!
Think it through!
PROS of a balance transfer:
Pay your balance faster: Having a lower interest rate means more of your payment pays the balance.
Improve your credit score: By reducing your credit utilization ratio, you can potentially improve your credit score.
Breathe easier with one bill: Having one bill instead of multiple can reduce stress and assist you in budgeting.
CONS of a balance transfer:
Thinking it removes your debt: Balance transfer does NOT eliminate your debt.
Temptation to spend more: It can be tempting to spend more with a seemingly clean slate.
Potential for debt shuffling: Without a clear plan, you may end up in a cycle of debt.
