A member asked to increase her overdraft protection after accidentally bringing her account negative. While processing the application, the Royal Credit Union team member noticed that she had $25,000 in credit card debt spread over 12 cards. Royal was able to work with the member to consolidate her debt and reduce her interest fees by offering her a signature loan. With tears in her eyes, the member shared her appreciation for taking the time to review her debt. Royal has also set up free monthly credit counseling sessions with the member to ensure her financial success.