How to Transfer Balances to an F&M Trust Credit Card

One of the best ways to save money on your monthly bills is to lower the interest rate on your credit card balances. If you have a high level of credit card debt, reducing the interest rate could save you money and free up more cash to pay down those balances. If your F&M Trust credit card features a lower interest rate than your other cards, transferring those high interest balances to F&M Trust is a smart move.

• 1

  Check the paperwork that came with your F&M Trust credit card to determine your maximum credit line for balance transfers. Review your credit card statements to see how much of your existing balance you can transfer to the F&M Trust credit card.

• 2

  Call the number on the back of your F&M Trust credit card and navigate through the voice mail system to speak to an operator. Inform the operator that you wish to transfer an existing balance to your credit card.

• 3

  Complete the balance transfer forms you receive in the mail. Enter the account number for each card you wish to transfer, along with the amount you wish to transfer to your F&M Trust credit card. Make a copy of each form for your records, then submit the original form to the address shown on the document.

• 4

  Check your account about two weeks later to verify that the balances have been transferred to your F&M Trust credit card. Contact an F&M Trust representative with any issues.