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But in all fairness, it’s not like Annual Credit has the best name either. Because with the word “annual” in there, many people assume that means once per year.

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If you’re concerned about meeting repayments or if you’re experiencing financial difficulties, talk to us.

We’re committed to finding a workable solution: KBC Bank Ireland Arrears Support Unit - 1850 930 235 If your financial situation has changed recently or you are concerned about your finances, you can also contact the Money Advice & Budgeting Service (MABS) or visit their helpful website MABS Helpline - 0761 07 2000 Minimum payment is the greater of €5 or 5% of the statement balance.

Perhaps the most important credit card benefit is your protection against unauthorized and fraudulent purchases.

If you’ve ever had a dispute over an authorized purchase with a debit card you realize how unpleasant that experience can be.

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