View the Total Cost of Borrowing Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.
When you're choosing the term of a loan, consider the total amount of interest and fees you’ll pay.
A loan with a longer term may have a lower monthly payment, but it can also significantly increase how much you pay over the life of the loan.
From time to time, you may want to consolidate higher-interest rate non-TD credit or retail store card balances on your TD Credit Card Account.
Consolidating multiple credit accounts into one new loan with a single payment may help you lower your overall monthly expenses, increase your cash flow, and eliminate the stress of multiple monthly payments.
If you need help getting out of debt, you are not alone.
Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.
However, a balance transfer card requires discipline to pay it off before the promotional rate expires, usually no more than 21 months.
The amount of credit card debt you can transfer is limited, typically no more than ,000.
If you have a Citizens Bank checking account and do not have a debit card, you can order your card at your local branch or by calling 1-800-922-9999. We've made it easy to open an account online, by phone, or at your local branch.