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Redistribution of your credit line

It is possible to reallocate your credit line to your two Lloyds credit lines. That means that if you have credit on one of your credit lines (i.e. you have not used up your total credit limit), you can transfer part of it to your other credit is. Once every six month you can reallocate your credit line and you can move a min. of 100 and up to a max. of 90% of your available credit line.

A total credit of £500 must also remain on the source credit voucher. You have 2 Lloyds credit cars and want to reallocate your credit line. Shift 2,250 (90%) of your available credit line in Credit A to Credit Card B. This will bring the new credit line on Credit Card A to 3,250 and leave 750 as the definitive credit line on Credit Card A. Please be aware that you may be able to shift from a low APR to a higher APR according to your credit series.

The redistribution of your credit line differs from a credit line carryover. The redistribution of your credit line means that you can easily redistribute your credit line to your Lloyds credit card. There is no pending credit card B or A as shown in the example. The redistribution of your credit line is different from a credit line enhancement where you can apply for a higher credit line.

The redistribution of your credit line does not raise the total credit line available to you.

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When my payment date is on a week-end, will it be taken on the Monday after or on the Friday before? When a payment is due on a week-end or public holidays, we pick it up on the next workingay. If I have modified my banking account, what should I do?

Sign up at your local store to review, modify, and make payment on your account at nypremiumcredit.co.uk. Once I have begun my months of payment, can I withdraw the remainder? Yes, you can withdraw the remainder if you have more than one payment left. No fee will be charged unless you use a credit or debit card, in which case a fee of £2.50 will be charged.

For more information please get in touch with Premium Credit directly. Please click here to get the contacts. Is there a fee for delayed payments? PCL will bill you 27.50 each and every £27.50 you miss a payment or a direct debit is refunded by your local banking institution for any cause, as specified in your credit agreement. Does my creditworthiness suffer if I am in arrears with a payment?

No, if you are in arrears with a payment, your creditworthiness will not be affected. But why doesn't the website take my banking information? When you enter your banking information for the auto debit memo requisition, the system searches for applicable sorting numbers and accounts. Verify that you have entered the right balance number and routing number.

Failure to accept this will mean that your data does not appear to coincide and we are not able to process your payment by instalment enquiry. After you have fulfilled your collection authorisation and the display asks for a credit number, please check to see if it is the credit that you have used to make your security payment.

Does Premium Credit conduct credit assessments? All new direct debit requests will be subjected to a credit check by premium credit Ltd. Is it possible to use a credit or debit/debit card other than my own? It is possible that someone else will have paid on your name, but only if you have paid your entire bonus.

We use a secured payment system so you can be confident that your credit information is protected. When does my insurance cover an auto renew, when will the first payment for the new insurance cover be made? When paying by bank transfer, the first payment is made within 10 workingdays from the renewal date.

Subsequent payments will then be debited every following day of the week for the rest of your policies. When paying by credit or debit cards, the payment will be withdrawn 3 workingdays before the expiry of the contract period.