Credit Card Frequently Asked Questions

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What happens when I apply online?: Many online applications will result in a provisional decision within 20 seconds.
What is credit scoring?: Most of the major credit card companies use their own credit scoring systems – normally but not always in conjunction with a credit rating from a credit reference agency.
How is interest calculated?: Interest is calculated on a monthly basis on the outstanding balance if full payment has not been received.
How can I pay off my balance?: There are number of ways you can choose to pay off your credit card balance - either by Direct Debit, by Debit Card over the phone, by bank transfer from your bank or by cheque.
Why is it worth making a Balance Transfer?: If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit card.

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