We are aware of the NCA and the regulations that come with having a credit facility. However, this retailer expects you to pay 15% with every purchase you make, should you not utilize your entire credit facility in one go until your first statement arrives. I fail to understand why grant credit if you have no faith in your consumers that clearly pays your salary and sometimes need to do your job for you. There are sufficient retailers that are of good judgment and grant exceptional Customer service that do not rip off there consumers, whether... read full review »