Being a responsible lender

As a provider of consumer finance, we recognise our social responsibility to promote  sensible use of credit-cards. We apply this in our business in several areas:

Consumer education

• Clear communication regarding use and benefits of credit cards
• Honest and transparent pricing and responsible lending policies
• Do not position credit card to encourage spending

Credit Scoring and Limit Management

• Decline applications where credit history is poor
• Set low initial credit limits and then offer credit limit increase based on customer behaviour

Proactive credit management

• Communicate with customers immediately when difficulties with paying appears
• Flexible repayment schemes for customers who need more time to pay back.