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Important Information

Important changes to your interest rate for Personal Credit, Credit Manhattan and Credit One accounts

With effect from 1 June 2016, the interest rate chargeable on your drawdown amounts on your Personal Credit / Credit Manhattan / Credit One account will be revised to 18.88% p.a.

To learn more, please refer to the Frequently Asked Questions below, or call our 24-hour Client Contact Centre at 1800 747 7000.

Frequently Asked Questions

Question Answer
How do I check if my interest rate has changed? We have included a notification on your statement in April and May 2016 informing you of the revision in interest rates to 18.88% p.a. Please note that this revision in interest rate is only applicable to Personal Credit, Credit Manhattan and Credit One accounts. The revised interest rate will be specified in your statement starting in June 2016.
Is there a change to interest rate earned on credit balances? There is no change to your account for credit balances.
Is there a change to how the interest on my account is computed? There is no change to the way we compute interest on your account, only the rate has changed. Interest is accrued on a daily basis and calculated based on a 365-day year, unless otherwise specified in our banking agreement. Interest will be charged to your account on the last day of each month, as long as there is an outstanding amount in the calendar month.
I have a personal credit balance transfer on my account. Does my promotional rate still apply? Yes, the promotional rate is applicable on your account until the specified end date of the promotion period. The new interest rate of 18.88% p.a. will apply after your promotional rate expires. To check when your promotional rate ends, please refer to your statement issued to you on a monthly basis.
How do I apply for a personal credit balance transfer? To apply, please call our 24-hour Client Contact Centre at 1800 747 7000.
I have a Salary Advance account / Preferred Line of Credit account. Does the rate change apply? No, you can continue to enjoy the existing interest rates applicable on your account.

Your account will continue to be governed by our Personal Loan / Personal Line of Credit terms, Customer Terms and all other applicable standard terms forming our banking agreement, which are available on our website or at any of our branches.