Dear Santa, Lower My Interest Rate!
The holidays are magical, but the credit card bills that arrive in January? Not so much.
If your festive cheer turned into post-holiday stress over high-interest credit card debt, you’re not alone. Thankfully there’s a smarter way out and Volt Credit Union is here to help you jingle all the way to financial peace.
Give Yourself the Gift of a Balance Transfer
A credit card balance transfer means moving debt from one or more high-interest cards to a card with a lower interest rate so more of your payment goes toward reducing the balance, not piling up interest.
At Volt Credit Union, our Visa® credit cards make this strategy even sweeter:
- Low interest rates and no annual fees helping you keep costs down while you pay down balances.
- FREE balance transfers anytime means you can move your debt over and start saving without extra transfer fees.
- Cash back rewards on everyday purchases with Momentum Rewards, because paying off debt shouldn’t mean missing out on perks.
Whether you choose our Platinum Visa® or Preferred Visa®, you’ll get dependable credit with member-friendly terms designed to help you take control of your finances.
Why a Balance Transfer For The Holidays?
Most credit cards charge high interest and with holiday spending, that can mean carrying balances longer than you intended. A balance transfer can:
✅ Cut or eliminate interest for a time, letting you make real progress on paying down debt. Investopedia
✅ Simplify your finances by consolidating balances into one payment. Cardratings.com
✅ Potentially save you hundreds or thousands in interest charges over time. NerdWallet
But remember: the goal isn’t just to move debt, it’s to pay it off before any promotional rates expire, and to avoid adding new charges while you focus on repayment.
How to Get Started with Volt
- Explore Volt Credit Union Visa® cards with options that fit different credit needs and spending habits.
- Talk with a Volt team member to get guidance on whether a balance transfer is right for you and how much you could save.
- Apply and initiate a balance transfer to focus on a payoff plan that brings peace to your wallet.
With a balance transfer through Volt Credit Union, you give yourself more than just a break on interest, you give yourself financial peace of mind.
Dear Santa. this year, my wish came true: lower interest rates and a debt-free new year.
Not a Volt Credit Union member yet?
Join now and and let’s start 2026 strong.
