**I certify that everything I have stated in this Balance Transfer form is correct. By submitting this Balance Transfer form I authorize Merck Sharp & Dohme Federal Credit Union (MSDFCU) to advance the requested funds from my MSDFCU VISA Credit Card to make a payment on, or payoff the account(s) listed above. Please make sure to confirm the addresses for each creditor are correct. We do not verify payoff amounts or addresses with other institutions.
 
I understand that for the balance transfer(s) to be processed, I must be a member with MSDFCU in good standing. I understand that the amount(s) transferred, combined with my current balance, if any, cannot exceed my available credit limit. In addition, I understand that transfers will be treated as a "cash advance" against my credit limit and interest will begin to accrue on the date each balance transfer is posted to my VISA account. Furthermore, balance transfers are not valid for the payment of MSDFCU loans or MSDFCU Credit Card balances.
 
Balance transfers and cash advances are not eligible for rewards or cash back.
 
By selecting "I Agree" below, I confirm that I have read and agree to the terms and conditions of this Credit Card Balance Transfer Authorization.