Credit Guide

Before we can provide you with credit or increase a existing credit limit, we are mandated to conduct a thorough assessment. This assessment ensures that the credit product aligns with your specific needs and objectives, and that you possess the financial capacity to meet your repayment obligations.

To complete this assessment, we will request relevant financial information from you, including details about your income, expenses, and existing financial commitments. We may also ask for supporting documentation, such as payslips, employment verification, and bank statements. The specific documents required may vary depending on your individual circumstances.

You have the right to request a written copy of our credit assessment. This request can be made before you enter into a contract or before any credit limit increase with us. You can also request a copy at any time within 7 years of accepting credit from us.

We will provide you with a written copy of your assessment free of charge. If your request is made within 2 years after the credit was granted, we will provide the copy within 7 business days. For requests made more than 2 years after the credit was granted, we will provide the copy within 21 business days.

Please note, we are not obligated to provide you with a copy of the credit assessment if your application for credit or a credit limit increase is not approved, or if your request for the assessment is received more than 7 years after the contract was formed or the credit limit was increased.