What do I need to do?
What do I need to do?
If you have an outstanding CleanSweep balance, you still need to make payments toward that balance. If you have no outstanding balance transfers, there's nothing else you need to do.
Additional General FAQ
- Why is this happening?
- Does this impact my other Happen accounts?
- Will this impact my credit score?
- I went to apply for a CleanSweep account and saw it was no longer available. What happened?
- Can I still use my line of credit?
Happen Bank Resources
Best personal loan rates in 2026: How to compare lenders accurately
The best personal loan rate in 2026 isn't the one with the lowest advertised interest rate: it's the one with the lowest APR, which includes additional finance charges. APR (Annual Percentage Rate) is the only apples-to-apples comparison figure because it includes both the interest rate and any origination fee.
Credit card consolidation loans: How to pay off multiple cards with one fixed rate
A credit card consolidation loan replaces multiple high-interest card balances with a single fixed-rate personal loan – one monthly payment, one interest rate, and a defined payoff date. For borrowers carrying balances at 21.39% APR or higher, the interest savings are often substantial. The math works for the same term when your consolidation loan APR is lower than your current weighted average card APR and the fixed monthly payment fits your budget.
Home improvement loans: How to finance your next project
The best home improvement loan depends on two things: how much equity you have and how quickly you need the funds. Homeowners with significant equity can access lower starting rates through a Home Equity Line of Credit (HELOC) or home equity loan, but closing costs and appraisal fees may narrow that advantage on mid-size projects. An unsecured personal loan requires no equity, no appraisal, and can be funded in days at a fixed rate that won't move over the life of the project. Happen Bank offers eligible applicants a 1% interest rate discount on personal loans used for home improvement.
HYSA vs CD: Which is right for your savings?
Both a high-yield savings account (HYSA) and a certificate of deposit (CD) outperform a traditional savings account.
What investors need to know about the personal loan market
The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down.
Related FAQ's
Can I still use my line of credit?
Your CleanSweep line of credit is now closed. You can't make any new balance transfers.
Does this impact my other Happen accounts?
The CleanSweep account closure has no impact on your personal loan or any other of your Happen accounts.
Through the course of continuing to test and refine this product, we have made the difficult decision to discontinue CleanSweep.
I went to apply for a CleanSweep account and saw it was no longer available. What happened?
We're sorry. As of December 18, 2024, Happen Bank discontinued the CleanSweep line-of-credit product.
Will this impact my credit score?
Happen Bank does not report CleanSweep accounts to the credit bureaus, which means the closure of your account will not affect your credit score or be provided on your credit report.
Related Glossary
Revolving Credit {noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
Accrued Interest {noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment.
Annual Percentage Rate (APR) {noun} The total annual cost to borrow money, including fees, expressed as a percentage.
Charge-Off A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
Fixed Interest Rate {noun} An interest rate that remains the same for a set time, usually for the life of the loan.