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How to use your Credit Facility over Christmas

In December, you may be expecting your incomes to be paid earlier than normal. If that’s the case and you are planning on applying to use your Credit Facility over Christmas, please make sure to select your normal income date when completing your application.

For example, if you usually receive an income on the 28th of the month but in December you are due to get paid on the 17th, you should select the 28th when you apply. If you choose the earlier date then your application may be declined.

When you receive your income, there is the option to repay the Credit Facility early, which will reduce the overall cost. You can do this using Online Account Management – see our step-by-step guide for help. Alternatively, you can call a Money Manager on 0161 779 5000.

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