Adding Creditors to Your Balance Transfer Loan

Adding creditors to your balance transfer loan is easy. Just follow these steps to get set up:

1. Sign into your Member Center and go to your To-Do List.
2. Click Tell us which account to pay down.
3. Click Add an account. Enter your creditor's name, your account number, and the amount you’d like to pay. (Note: If more than one creditor has the same name, pick the one that’s closest to the information on your last statement.)
4. Add creditors until the Debt paid, in the bottom right of your screen, meets or exceeds the minimum amount. If you have a minimum, it’s at the top of the page.
   
   After you’ve added all the creditors you want to pay, click Continue.

5. Check to make sure you’ve entered all the creditors you want to pay. To add another creditor or make changes, click Edit Accounts.
6. When everything looks good, click Confirm.

After you’ve confirmed your list, we’ll start reviewing it. You can’t change your list, so be sure to double check it before clicking Confirm.

If your application gets approved, it takes several days to have money sent to your creditors. Keep making your regular payments until the creditor confirms you paid down your debt.

To learn more about how your creditors get paid and how long it takes, see our article about balance transfer loans.

Airline, retail, and reward cards

If you’re adding a credit card to your list of creditors, the front of your card might not match any of the names listed. The list might show some cards by the issuer name, not the name of the program. You can typically find the issuer on the back of your card or your billing statement.

Here’s a list of common rewards cards and the name of their issuer:

Card name	Potential credit card name in the payment network
AAdvantage; Platinum Select or Executive	Citibank Credit Card
Gold Delta Skymiles	American Express
Hilton HHonors Reserve and Hilton HHonors Signature	Citibank Card
Hilton HHonors Surpass and Hilton HHonors American Express	American Express
Marriott	First USA / Chase Card
Southwest	First USA / Chase Card
Starwood	American Express
United MileagePlus; Explorer or Club	First USA / Chase Card

If your creditor isn't on the list

Like rewards cards, sometimes bank credit cards are listed under names that don’t match the front of the card. If you can’t find the name of your credit card on the list, check the back of your card or a recent statement for the issuer name.

Here’s a list of common bank cards and their issuer names:

Card name	Potential credit card name in the payment network
Bank of America	MBNA Credit Card, Bank of America, Bank of America Visa 1
BankAmericard	MBNA Credit Card
Barclaycard	Barclays Bank Delaware
Capital One Quicksilver	Capital One
Chase Freedom, Sapphire, or Slate	First USA / Chase Card, Chase Manhattan Bank, JPM Chase Commercial Card
Citi or Citibank	Citibank Credit Card
Discover	Discover Card
Navy Federal Credit Union	Navy Federal Credit Union Visa, Navy Federal Credit Union
Synchrony Bank	GE Capital / GE Money Bank

If your creditor still doesn’t show up on the list, they might not be in our payment network. Creditors who are not in the network can’t get paid directly through a balance transfer loan, but we're always improving and may include your creditor in the future.

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Related articles

• Should I Get a Balance Transfer Loan?
• How Can I Use My Loan?
• How Long Does It Take to Get Approved for a Loan?