Our policy is to lend responsibly.
Before we enter into a credit contract with you or grant you a credit limit increase, we will make reasonable inquiries about your requirements and objectives, and your financial situation, and we will take reasonable steps to verify your financial situation. We will then make an assessment whether the proposed loan or increase would be unsuitable for you. It will be unsuitable if the contract or increase does not meet your requirements or objectives, or you would not be able to make the repayments without substantial hardship.
We will not enter into a credit contract with you or give you a credit limit increase if we consider that it would be unsuitable for you.
If you are experiencing hardship please contact us as soon as possible so that we can discuss your situation.