If you decide to apply for Bright Credit, the process typically looks like this:

  1. Check your rate via the Bright App: Download the Bright app to start an application.
  1. Review and accept the offer: See your rate and line assignment.
  1. Choose which cards to pay down: You can directly refinance multiple cards up to your credit limit.
  1. Pay atleast your minimum due: You can choose how much to pay each month
above your min due.
  1. Refinance more of your 
credit card debt: As you pay down your balance you can
choose more cards to payoff.