Cardeo Credit works by transferring some or all of your credit card borrowing to Cardeo. To make a transfer, visit Credit in the Cardeo app.

When you make a transfer, Cardeo pays off your credit card debt. Your credit card balance goes down the exact amount that your Cardeo Credit balance goes up. This is also how a balance transfer works.

No money comes into your bank account. Once Cardeo has directly paid your credit cards the transfer amount, you will then owe that amount to Cardeo, rather than your credit cards.