Balance Transfer Safety Check
Before you move your debt — check the card issuer you’re transferring to
A 0% balance transfer offer buys you breathing room. Transferring to an institution with a serious complaint record just moves your problem to a worse place. This check takes four seconds and tells you whether the issuer earns what they’re asking.
What this check tells you
Four federal signals, in under five seconds
- 1.Credit-card category complaint rateNormalised complaints per 1,000 customers specifically for this issuer’s credit-card arm, not the corporate average.
- 2.Billing & unauthorised-charge frequencyPercentage of this issuer’s CFPB complaints that involve fraud, billing, or unauthorised transactions — the risks most relevant to balance-transfer customers.
- 3.Resolution quality scoreA 0–100 composite of how well the issuer actually resolves complaints: monetary relief rate, consumer-dispute rate, explanation-only closures.
- 4.Active federal enforcementAny open action from the OCC, Federal Reserve, CFPB, or FTC against this institution.
Sources: CFPB complaint database, OCC, Federal Reserve, FDIC, FTC, FFIEC Call Reports. Rate normalisation is per the methodology below. Informational only — not financial advice. Check APR, fees, and terms with the issuer before transferring. Methodology › · Affiliate disclosure › · Data freshness ›