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Additional fees, terms and conditions associated with the funding and use of your card are detailed in your cardholder agreement.
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Often these activities are held over the school holiday period.
(For more on this topic, see Analyzing A Bank's Financial Statements.
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Stick to the amount you want to borrow and resist the banks offer to sell you more credit.
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- If you bank with one of the big four, the loan will normally be available on the same day
- Most banks have online banking access so you may just have to phone them to set it up.
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That will determine how much equity you may be able to access.